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Professional Massage Therapy Insurance

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$9.99/ month

Or $96/year
Massage therapy insurance is your ticket to peace of mind.

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$15 per Additional Insured or $30 for Unlimited

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Massage Liability Insurance for Professionals

BBI’s massage therapy insurance protects you and your business from the cost of liability claims so you can focus on what matters most – your clients. Our professional and general liability coverage covers claims like bodily injury, property damage, allergic reactions to oils, and more.

Unlike association-based insurance programs, therapists who choose BBI never pay membership fees and are never required to complete additional coursework to qualify for coverage. Join the tens of thousands of massage therapists nationwide who have found peace of mind with massage insurance from BBI. Download and view our complete guide to Massage Therapy Insurance.

Accidents Can Cost You

As a Licensed Massage Therapist, you do your best to avoid accidents, but they still happen. If they do, you can rest easy knowing that BBI has your back. Read some real-world massage therapy insurance claims and see how BBI has helped massage therapy professionals just like you.

Client slipped and fell after massage - $1,162 Injury from hot stone massage - $4,971 Burns sustained from hot stone massage - $6,498 Injuries sustained from Swedish massage - $13,993 Burns sustained from hot stone massage - $29,983 Client injured during a massage - $118,121
Accidents Can Cost You

As a Licensed Massage Therapist, you do your best to avoid accidents, but they still happen. If they do, you can rest easy knowing that BBI has your back. Read some real-world massage therapy insurance claims and see how BBI has helped massage therapy professionals just like you.

Client slipped and fell after massage - $1,162 Injury from hot stone massage - $4,971 Burns sustained from hot stone massage - $6,498 Injuries sustained from Swedish massage - $13,993 Burns sustained from hot stone massage - $29,983 Client injured during a massage - $118,121

Common Questions About Massage Therapy Liability Insurance

Our certified agents are always ready to relieve stress and answer your questions about our massage therapist insurance. Here are the most common questions we get.

What's Included in Massage Therapy Liability Insurance?

Included in a standard massage insurance policy are:

General Liability Insurance: This policy covers third-party claims of bodily injury and property damage. It can help pay for medical bills, lost wages, and other damages awarded in a lawsuit.

Professional Liability Insurance: This policy covers claims of professional misconduct, such as sexual harassment. It can also help protect you if you’re accused of causing physical harm to a client.

Personal & Advertising Injury: This coverage can help protect you if you’re accused of libel, slander, or false advertising.

Damage to Premises Rented to You: This coverage can help reimburse you for the cost of repairing or replacing damaged property.

If you’re a mobile massage therapist, this coverage helps protect you while on the road.

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What is Massage Liability Insurance?

Liability insurance for massage therapists—also known as public liability insurance—protects you and your business from liability claims like bodily injury, property damage, allergic reactions to products, and more. Proof of massage therapy insurance is often required by licensing boards before LMTs are allowed to see clients, making it an essential aspect of your business.
Our massage insurance coverage includes:

  • General & professional liability
  • Products & completed operations
  • Personal & advertising injury
  • Damage to premises rented to you


We also offer Tools & Supplies insurance—otherwise known as “Inland Marine” insurance—to cover any damages to your equipment or supplies. Tools & Supplies Insurance protects against:

  • Theft, damage, vandalism, etc.
  • Product liability lawsuits
  • Negligence claims
  • Breach of contract claims

 

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How Much Does Massage Therapy Insurance Cost?

We offer insurance for professionals starting at $9.99/month or $96/year, which includes $3 million in general & professional liability coverage.
However, there are several factors that may affect the total cost of your massage liability insurance policy depending on the type of coverage you need. For example:

  • You can add one additional insured for $15 or unlimited for $30. If they are named in a lawsuit due to a covered business-related loss or claim, they receive protection because of your actions or operations.
  • Certain endorsements (modifications to your policy) can be selected for an additional price. These can be purchased with your initial policy or bought separately later.
  • For just $16, we’ll also provide $2,000 in coverage for your tools and supplies in case of damage or theft.

The best part? Your application can be completed in ten minutes or less. Please note you will not qualify for coverage under these prices if your services include any of the excluded methods listed on our site. BBI does not offer monthly payments for massage liability insurance.

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What Additional Coverages Can Be Included in a Massage Therapy Insurance Policy?

Additionally, you can opt to include the additional coverages:

Endorsements: Endorsements are changes to your underlying insurance policy that cover additional skills and treatments you might want to start offering as part of your practice. Learn more about Insurance Endorsements.

Tools & Supplies Coverage: Also called Inland Marine insurance, Tools and supplies insurance covers the cost of replacing lost or damaged supplies and tools, such as massage tables and oils.

Additional Insureds: Additional insureds are a person, event, or organization you add to your massage therapy policy so they can receive protection if they are named in a lawsuit due to a covered business-related loss/claim because of your actions or operations.

Cyber Liability Insurance: Cyber liability insurance can protect you from paying hefty fees if you collect or store customer information – names, addresses, even payment information – and that information is stolen or compromised.

To read about these coverage options in detail, check out our coverage details page.

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Why Beauty and Bodywork Insurance (BBI)?

Beauty and Bodywork Insurance provides affordable, top-notch insurance policies for massage therapists without you having to pay membership fees or join an association.

Policies can be purchased online with a quote-free process by filling out a simple application. 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. At BBI, we strive to make it easy for you to protect your massage therapy business. Other benefits include:

  • A+ Rated
  • Our easy, online application 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
  • All of our customer service representatives are licensed insurance agents

 

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Quote-Free Application Process for Massage Therapist Insurance

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

Quote-Free Application Process for Massage Therapist Insurance

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

General and 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

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

Any One Person: $5,000

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.

Other Common Massage Insurance Coverage Questions

Yes, we highly recommend having insurance as a massage therapist. 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.

However, independently contracted or employed therapists aren’t the only ones who should be insured. If you are a mobile or self-employed massage therapist, it’s crucial you protect yourself from lawsuits since your personal financial assets may be at risk if you were sued.

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.

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Some common massage therapy claims include:

  • 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 a massage that they feel you are culpable for causing.
  • 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. By being an insured massage therapist, you can help reduce your financial risks while working with customers.

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Regardless of whether 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. 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.

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 can help protect you.

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Yes, liability insurance for massage therapists from BBI includes mobile massage therapists. This allows you to take your services on the road directly to your clients instead of working in a salon, all while having coverage.

Note: Make sure to add on coverage for tools and equipment, which is deductible coverage for your tools, supplies, and equipment. That can include massage tables, creams and oils, and other tools of the trade you take with you to appointments.

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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 gets access to your clients’ personal information, it could cost you thousands of dollars and your reputation. Learn more about cyber liability insurance.

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Filling out an application is easy and only takes 10 minutes. The best part is that you don’t need to request a massage insurance quote. Here is a list of things you’ll need to provide when filling out an application to get insured:

  • Your policy preferences (professional, 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

 

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Download Our Free Massage Therapy Insurance Guide!

Our guide shares best practices for selecting the right type of insurance policy for your massage therapy business. It includes coverage details and limits, price of additional insureds, and how to file a claim.

You're in Good Hands.

Here’s what other people have to say about their experience from over 420+ available reviews.

Dirk
DirkBodywork Professional
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"I recommend it to everyone."

Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Camille
CamilleNail Tech
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"Easy to understand"

Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Kris Christy
Kris ChristyMassage Therapist
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"6 minutes is all it took"

Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
Latoya Mosley
Latoya MosleyLash Artist
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"Easy to apply"

So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Autumn Zebroff
Autumn ZebroffEsthetician
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"Super fast online purchase."

Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
Jillian Walsh
Jillian WalshSpray Tanning
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"Seamless and affordable"

So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
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