Massage Therapy Insurance for Professionals & Students
Helping people feel relieved and stress-free is your profession. Making sure you’re insured with the correct coverage is ours. As a trained professional, you don’t plan on accidents happening, however, you face risks each day while working—and massage therapists know the value of protecting their practice from loss.
Massage therapy insurance coverage from Beauty and Bodywork Insurance (BBI) provides professional and general liability coverage for massage therapists. Unlike association-based insurance programs, therapists who choose BBI never pay membership fees or have to complete additional coursework to qualify for coverage. Buy a policy today and join the thousands of massage therapists nationwide who have found peace of mind with massage liability insurance from BBI.10-Minute
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What's Covered with Professional Massage Liability Insurance?
Our massage liability insurance includes coverage for multi-discipline practitioners at no additional cost:
Popular Massage Therapy 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:
General & professional liability limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
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.
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Examples of massage therapy claims
You may be wondering what types of claims massage insurance covers. As an LMT, you do your best to avoid accidents, but they still happen. View some common claims you could face as a massage therapist, and how much BBI can cover.
Common Massage Insurance Coverage Questions
What is Massage Insurance?
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, insurance for massage therapy should, at the very least, provide general liability, professional liability, product liability & completed operations, as well as inland marine coverage (a form of property coverage).
These coverages protect licensed massage therapists with massage malpractice insurance. For example, you could have a client who claims they were injured during your massage. Or, you may accidentally damage an expensive item of clothing and are asked to reimburse your client. Liability insurance for massage therapists helps to protect your finances from claims like these.
If you have any questions about these coverage types or about LMT liability insurance, please feel free to call one of our licensed agents at 877-536-729 for a no-obligation consultation.
What is Included In Massage Therapy Liability Insurance?
Included in a standard massage therapist liability insurance are several things:
- General liability insurance
- Professional liability insurance
- Personal and advertising injury
- Damage to premises rented to you
- Optional coverages available
- Cupping endorsement
- Fitness trainer endorsement
- Acupuncture endorsement
- Supplies & tools coverage
- Additional insureds
- Cyber liability insurance
- & more
To read about these coverage options in detail, take a look at this blog.
Do Massage Therapists Need Insurance?
Although some areas may not legally require that massage therapists have insurance, you assume total risk without it. Additionally, many franchises and spas will require that job candidates have massage therapy insurance before hiring or contracting with them. Beyond that, there are inherent risks involved with working on the human body. There’s always a chance someone might react negatively to the services or products you use, which is why massage therapists must protect themselves with massage malpractice insurance.
But independently contracted or employed therapists aren’t the only ones who ought to be insured. If you are a mobile or freelance massage therapist, it’s also crucial you protect yourself from lawsuits since your personal financial assets may be at risk if you were sued.
These risks are simply a part of being a massage therapist. Obviously you practice your profession with an abundance of caution, but accidents can still happen. In the event of a lawsuit, you may have to pay legal costs to defend yourself even if you’re not found liable. Without insurance coverage, you may be responsible for paying all claims-related costs out-of-pocket. That’s why it’s important to protect your assets by purchasing massage therapy insurance.
What Types of Massage Are Covered in a BBI Policy?
Because there are so many different types of massage therapy out there, BBI covers a wide variety of massages. That a look at this comprehensive list to see what we cover:
- Deep tissue massage
- Swedish massage
- Chair massage
- Hot stone massage
- Animal massage
- Sports massage
- Thai massage
How Much Does Insurance for Massage Therapy Cost?
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 avoid several different massage liability insurance rates, 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. BBI does not offer massage liability insurance monthly payments.
What Should I Consider When Choosing an Insurance Provider?
When researching insurance, it’s important to look at what coverages the policy you’re seeking offers. For example, does the policy cover general, professional, and/or products liability insurance? This is extremely useful when comparing prices.
You’ll also want to keep in mind certain coverages and endorsements that are offered with a policy—purchasing cheap massage therapy insurance isn’t always the way to go because it most likely won’t have all the coverage you need.
So here is a simple way to check insurance to make sure it is a good fit for you!
- Do they have the right coverage, if you are being required to purchase insurance for your salon? This is your general liability limit.
- Make sure that you can add Additional Insureds to your policy. Even for a small fee, you employers or landlords may require it.
- Check the payment options. Our plan is a one time, annual fee for $96/ year. You have options to add to your policy to include extra endorsements.
- Make sure you opt into EZ Renew or are prepared to renew each year, to keep your coverage valid in the Claims Made policy structure.
What Are Common Massage Therapy Claims?
No matter how hard we work to keep our space clean, organized, and safe – there is always a chance for an accident. By being an insured massage therapist, you can help reduce your financial risks while working with customers! Wondering what accidents could end up in your lap? Here is a list of some common massage therapy claims to be aware of:
- A massage therapy table breaks while a client is on it during their session causing injury and a legal complaint.
- An oil or cream causing a rash or an allergic reaction is used, and your customer decides to pursue legal action.
- Bruising or infection on clients after the massage that they feel you are culpable for causing and bring up a suit against you.
- Blood clots take place after a massage (This is most common with clients who might be at increased risk of injury, or elderly people.)
- A client slips and falls on company property and sustains an injury. You can be at fault for not having proper signage or an alternative route.
As a massage therapist, you could be held liable for any of the claims mentioned above and many other types of injuries or accidents arising from your business.
What Is the Most Important Insurance for Licensed Massage Therapists?
Regardless of if you work from home, travel to clients, or work in a salon, it’s important for massage therapists to have insurance, specifically general and professional liability insurance.
General liability insurance, also known as slip-and-fall insurance, protects against exactly that—incidents like slipping and falling. If a client trips over your massage table and injures themselves, general liability insurance can protect you against any possible lawsuits.
Professional liability insurance, also known as malpractice insurance, provides protection in the case that a client sues you specifically for damages resulting from the service you provided. Essentially, if the client gets injured from a massage service that you provide, malpractice insurance for massage therapists would protect you.
BBI’s massage therapy liability insurance provides both general and professional liability at a $3,000,000 aggregate limit and an occurrence limit of $2,000,000.
Why Should I Get Insured With BBI?
Beauty and Bodywork Insurance provides affordable, top-notch insurance policies for massage therapists. A policy can be purchased online in 10 minutes or less. BBI lets you set the policy effective date, and you can cancel your policy at any time. Once you fill out your application, you receive immediate proof of coverage on your dashboard and via email.
With BBI, you also won’t have to join an association or pay a membership fee, like other insurance options require you to do. You only pay the annual amount for your massage insurance policy, without having to worry about other fees.
Here’s a list of why BBI would be a great insurance provider for your massage therapy business:
- A+ Rated
- Our easy, online process takes less than 10 minutes to complete
- 24/7 access to your insurance policy with your online user account
- Filing a claim is quick and easy
- Make changes to your policy at any time
- Ability to add additional insureds to your policy at any time
- Our base policy is affordable, starting at just $96 / Year
- Customizable policy options to fit your business needs
- Available endorsements if you need additional coverage
If you have any questions, you can chat with one of our certified insurance agents, or give them a call. We are happy to help you with what coverage is available for your specific type of massage therapy work that you provide.
Is Mobile Massage Therapist Insurance Included?
If you’re planning on taking your massage therapy business on the road, BBI has you covered. A BBI massage therapy insurance policy includes mobile massage therapist insurance, allowing you to take your services directly to your clients instead of working in a salon, all while having coverage.
Make sure to add on coverage for Inland Marine, which is deductible coverage for your tools, supplies, and equipment. That can include massage tables, hair styling tools, and other tools of the trade you take with your to appointments.
Should I Get Cyber Liability Insurance?
If you store any client information, like names, addresses, or credit card numbers, it’s highly recommended that you purchase cyber liability insurance. This can be added on to your base policy for just $79. Cyber crime is on the rise, and if a hacker were to get access to your clients’ personal information, it could cost you thousands of dollars and your reputation. If you’d like to learn more about cyber liability insurance, take a look at this article.
What Do I Need to Fill Out an Online Application?
Filling out an application is easy and only takes 10 minutes. The best part is that you don’t need to request a massage therapist insurance quote. Here is a list of things you’ll need to provide when filling out an application to get insured:
- Your policy preferences (student, endorsements you’d like to include)
- Personal information (name, address, business information)
- Which business activities you will be performing
- Claim history
- Additional insureds (if you’d like to add any)
- Payment information
Download your massage therapy insurance guide
Get a policy today
Join the tens of thousands of massage therapists nationwide who have found peace of mind by purchasing liability coverage from BBI.
