Massage Therapy Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Save on your massage therapy CE hours
Massage Therapy Insurance for Licensed Massage Therapists
Beauty & Bodywork Insurance (BBI) is the best choice for protecting your massage therapy business.
Affordable
A policy priced with your budget in mind.
Comprehensive
All the coverage you need, tailored just for your industry.
Supportive
Customer service that’s here for you now and later.
Modalities Covered Under Massage Liability Insurance
Whether you practice one modality or several, our massage liability insurance covers you for specialties like:
Run your own spa? Get easy blanket coverage for your business and entire team. Check out BBI Spa Insurance.
Common Questions About Liability Insurance for Massage Therapists
What Is Massage Liability Insurance?
Massage therapy insurance is liability coverage for licensed massage therapists that can help pay for client injury, property damage, and claims that your services caused harm. BBI’s massage therapist insurance starts at $9.99/month or $96/year and includes both general and professional liability coverage.
- Who it’s for: Licensed massage therapists, mobile massage businesses, and independent contractors across 49 states (MO excluded).
- What’s included: General and professional liability, products and completed operations, personal and advertising injury, and more under one policy.
Do Massage Therapists Need Insurance?
Yes! All massage therapists should carry liability insurance to help cover the cost of client injuries, property damage, or claims that their services caused harm. Many spas, landlords, and state licensing boards require proof of massage therapy insurance before you can work, lease space, or renew your license.
What's Included in Liability Insurance for Massage Therapy?
BBI’s massage therapy insurance includes:
General liability insurance: For third-party claims of bodily injury and property damage, such as a client’s slip-and-fall injury in your massage room
Professional liability insurance: For claims of professional mistakes, recommendations that cause harm, or bodily injury caused by your service
Personal and advertising injury coverage: For claims of libel, slander, or false advertising
Products and completed operations coverage: For claims related to products used in services and completed services that cause injury to a client after an appointment
Fire legal liability coverage: Can pay for the costs of accidental fire damage to your rented space
How Much Does Massage Therapy Insurance Cost?
BBI’s massage therapy insurance starts at just $9.99/month or $96/year. Your massage therapist insurance cost reflects the payment plan you choose and any additional coverages you select.
Our policies are flat-rate and transparently priced, with excellent coverage to match. Get an instant quote to see how much your custom plan will cost!
Why Choose BBI for Massage Liability Insurance?
Nearly 70,000 professionals, including massage therapists like you, choose us to protect their practices.
Enjoy top-rated coverage with:
- No membership fees
- Easy online application
- 24/7 access to your user dashboard
- Quick, simple claim-filing process
- Option to add unlimited additional insureds
- Mobile coverage in 49 states (MO excluded)
- Multiple coverage tiers for your tools and supplies
- Affordable base policy with the option to pay monthly
- Customer service team of licensed insurance agents
- Occurrence-based coverage* for long-term peace of mind
*All new policies purchased after July 1, 2024 include occurrence-based coverage.
Let Us Take Care of That
Accidents happen — even to the most careful LMTs. With BBI, you’re covered. Here’s how we’ve helped others like you:
- $29,983 (professional liability insurance)
- $1,162 (general liability insurance)
- $48,062 (general liability insurance)
- $48,062 (general liability insurance)
Get peace of mind today.
- $118,121 (professional liability insurance)
- $160,000 (professional liability insurance)
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Quote-Free Massage Therapist Insurance
Here’s all you need to get covered online in under 10 minutes:
- Your business contact information and services offered
- Your policy preferences (any optional add-ons you want)
- Your business type (LLC, sole proprietor, etc.)
- Additional insured details
- Payment information
Resources for Massage Therapists
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.
Optional Add-Ons
Customize your massage therapy insurance policy and strengthen your protection by selecting from these add-on coverages.
$2 – $5.50 / month
Tools and supplies coverage, or inland marine, can pay to replace your movable business gear if it gets damaged or stolen.
Good for: covering your portable massage table, oils, business tablet, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Adding additional insureds extends your policy coverage to qualified third parties who may be affected by claims brought against your business.
Good for: meeting the requirements of spa owners, landlords, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: massage therapists who book clients or accept payments online.
$2.92 / month
These endorsements (policy modifiers) provide coverage for more specialized services you offer through your practice. Some exclusions apply.
Good for: massage therapists who also offer cupping or microcurrent treatments.
$4.92 – $6.96 / month
SAM Insurance can help pay for your defense costs if you’re wrongly accused of sexual harassment or improper conduct.
Good for: peace of mind that your business and reputation are protected against misinterpretation or false allegations.
Currently unavailable for male massage therapists.
FAQs About Massage Therapy Liability Insurance
When Is the Best Time to Get Massage Therapy Insurance?
Many massage therapists buy or renew insurance early in the year so they’re covered before license renewals, CE courses, or busy spring client seasons.
You don’t have to wait for your renewal date, though. With BBI, you can buy massage therapy insurance online in minutes and get instant proof of coverage so you can work protected, all the time.
How Can I Buy Massage Therapy Liability Insurance Online?
- Choose your coverage plan and any optional add-ons
- Enter your massage business and contact details
- Add any additional insureds (or add them later from your dashboard)
- Submit payment to activate coverage and download proof of insurance instantly
What Does Massage Therapy Insurance Cover (and Not Cover?)
Massage therapy liability insurance is designed to cover claims when your business causes harm to others, for example, a client injury due to your massage technique.
It doesn’t cover injuries you sustain while working, your business tools (unless you add coverage), any retail products you sell, or claims unrelated to your practice.
Learn more in our full massage therapy insurance guide.
Is Mobile Massage Therapist Insurance Included?
Yes, liability insurance for massage therapists from BBI includes mobile massage therapists — your coverage follows you from the spa to client homes and everywhere in between.
Don’t forget to protect your movable business property with one of our tools and supplies coverage tiers!
What Are Common Massage Therapy Claims?
- Allergic reactions to oils or creams
- Bruising or infection after service
- Injuries due to a faulty massage table breaking
- Slip-and-fall accidents in your workspace
- Blood clots forming after service (in high-injury-risk or elderly clients)
Get protected from these common massage therapy claims and more with BBI’s coverage tailored to your unique risks.
Do I Need Insurance if I Work at a Spa or Clinic?
Yes! Many spas and clinics carry a general business insurance policy, but that coverage is designed to protect them, not necessarily you as an individual therapist. Whether you work as an employee or independent contractor, having your own liability policy is essential for protecting you, no matter where or how you practice.
You’re in Great Hands
Check out what our happy policyholders say.
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!
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!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
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.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
