Massage Therapy Insurance for Massage Therapists

Massage therapists know the value of protecting their practice from loss. Massage insurance from Beauty and Bodywork Insurance (BBI) provides professional and general liability coverage for massage therapists. Unlike with 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.

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$15 per Additional Insured or $30 for Unlimited

$96 per year

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Common Massage Insurance 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, 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 by your massage. Or, you may damage an expensive item of clothing or a client's home and are asked to reimburse your client. Massage malpractice insurance protects your finances and may pertain to these types of claims.

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.

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a massage therapist performing therapy

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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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.

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a massage therapist performing therapy

We know that as a trained professional, you do your best to keep your clients safe and satisfied. Unfortunately, no matter how careful you are, accidents are still bound to happen. One of the most common claims is a massage therapy table breaking while a client was on it during their session. You could be held liable for any damage done to your client.

Another common massage therapy claim is that the massage therapist performed the massage, and days later the client either had bruising, an infection, or some other bodily injury. Another possible claim of massage therapy is blood clots taking place where the massage therapist did the massage. This is most common with clients who might be at increased risk of injury, or elderly people. As a massage therapist, you could be held liable for these and many other types of injuries.

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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. 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.

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Included in a standard massage therapist liability insurance is several things. You will have an aggregate limit, personal and advertising injury limit, occurrence limit, and damage to premises rented to you. You can also add additional coverage, like tools and equipment coverage or additional insureds. To read about these coverage options in detail, read take a look at this blog.

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

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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 $100

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:

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