Professional Liability Insurance vs. General Liability Insurance

Are you covered?

As a business owner, your massage therapy education, training, supplies, and advertising efforts are at the forefront of your mind. Insurance is probably the last thing you want to think about. Since any workspace can turn into an uncontrolled environment and there are many unknown variables out there, it is important to have coverage that can respond to injuries that may occur. Learn about how professional massage liability insurance and general liability can be beneficial for your massage therapy business below.

Massage professional liability insurance

(also known as errors and omissions insurance)

is designed to respond to negligence claims. As a massage therapist, a client could sue you for failure to use a degree of care considered reasonable under a given set of circumstances and you may need to defend yourself in court.

Example: A client sues a massage therapist for allegedly overheating the hot stones for their massage and sustaining serious burns on their body. Depending on the claim, professional liability insurance may cover legal defense costs and give you financial peace of mind.

General Liability Insurance

(also known as business liability insurance)

Unlike professional liability insurance, general liability insurance (also known as business liability insurance) can respond to instances that occur while running your normal business operations.

This type of coverage can help protect your business from claims that come from your business such as:

  • Property damage
  • Physical injury
  • Lawsuit costs

Example: A client trips over an essential oil diffusor cord and breaks their ankle.

With Beauty and Bodywork Insurance (BBI),

you don’t need to worry about choosing between massage professional liability insurance or general liability insurance for your business. Our insurance policy offers general and professional liability with a $3 million aggregate for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Remember that you have spent countless hours building your business and it can all be lost without coverage. What are you waiting for? Join the thousands of massage therapists nationwide who have found peace of mind by purchasing coverage from BBI.

Get a policy today

Join the thousands of massage therapists nationwide who have found peace of mind by purchasing liability coverage from BBI.

$96
per year

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Common Questions

Massage therapy insurance helps you protect yourself and your business from liability claims. These types of claims can include bodily injury, property damage, allergic reactions to oils, and more. To have a strong base of coverage, massage therapy insurance should, at the very least, provide general liability, professional liability, products & completed operations, and inland marine coverage (a form of property coverage).

If you have any questions about these coverage types, please feel free to call one of our licensed agents at 888-568-0548 for a no-obligation consultation.

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what is massage therapy insurance

When purchasing massage therapy insurance, premiums are calculated based on several variables. Some examples include: the state you're in, total gross annual revenue, the types of modalities you provide, how many additional insureds you need to add, the coverage limits you select, and more.

However, to make things simple, at Beauty & Bodywork Insurance (BBI) we offer one price for professionals ($96) and one price for massage therapy students ($67). Please note that if your services include any of the excluded methods listed on our site, you will not qualify for coverage under these prices.

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how much does massage therapy insurance cost

Many franchises and spas will require you to have massage therapy insurance before they will contract with you. In addition, because you are working on the human body, there is always the chance someone might react negatively to your services or the products you use. These risks are simply a part of being a massage therapist, which is why it's important to protect your assets by purchasing massage therapy insurance. Without insurance coverage, you may be responsible for paying defense costs and claims out-of-pocket.

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do I need massage therapy insurance

General & professional liability limits

General & Professional Liability Aggregate $3,000,000
Products & Completed Operations Aggregate $3,000,000
Personal & Advertising Injury Included
Each Occurrence $2,000,000
Damage to Premises Rented to you $300,000

Additional limits

Inland Marine / Business Personal Property $2,000
Deductible $150
Identity Recovery Coverage $15,000
Deductible $250

i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.

Who we are

The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.

Veracity Insurance Solutions

Veracity Insurance Solutions

Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs.

Great American Insurance Group

Great American Insurance Group

Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.

Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014)

Popular methods

With over 250 types of massage therapy methods to choose from, we don’t want to restrict to specific types. We believe they are all beneficial. With a BBI policy, all modalities are covered on one policy, for one low price. Some of the most popular types of methods include: