Insurance Designed for Massage Therapists

Accidentally injuring a client while giving a massage can cost you thousands of dollars.

Massage Therapists

At the Beauty & Bodywork Insurance (BBI) program, we make massage insurance simple. Get A+ rated insurance with an easy online application and no association membership fees. Join the thousands of massage therapists nationwide who have found peace of mind by purchasing liability coverage from BBI. Buy a policy today and download your proof of insurance after checkout.


Per Year

Liability Policy

Save on Your Massage Therapy CE Hours!

Get 25% off from the leader in home study massage CE when you purchase a BBI policy.

Institute for Integrative Healthcare

Program Highlights

  • Buy Online - Process Takes About 10 Mins
  • General and Professional Liability
  • Products-Completed Operations
  • Personal and Advertising Injury
  • Damage to Premises Rented to you
  • Inland Marine/Business Personal Property

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No quote process   •   Instant coverage   •   A+ rated insurance Carrier

massage therapy

BBI is the Liability Coverage you Need

Nothing can prepare you for everything that can go wrong during your career. One of the best ways to prepare financially is to have insurance to help protect you.

For example, say a client came into your salon to rehabilitate an injury but in the course of the massage they claim you made the injury worse. You could be held liable and be required to pay the client’s expenses. Do you have $20,000 or more ready in case a scenario like this happens?

Our online Beauty and Bodywork Insurance (BBI) policy offers affordable liability insurance for professional massage therapists and massage therapy students. Our policies are available in all 50 states.

So, whether you are employed at a spa, need mobile massage insurance, or working as a clinical massage therapist, BBI is for you.

Common Questions about 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, 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.

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.

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.

Coverages & pricing

** Please note these are brief definitions of coverages and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.

liability policy

This policy is for professionals who work in the Beauty and Bodywork Industry.


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liability policy

This policy is for students currently enrolled in a beauty or massage school.
About Student Policy


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Program benefits

  • 24/7 Access to Policy Documents
  • Quality insurance
  • Convenient Online Purchasing
  • No Quote Process
  • Licensed In All 50 States
  • Instant Coverage
  • No Deductible on Liability Claims
  • A+ Rated Insurance Carrier
  • One Policy for Multiple Methods
  • Peace of Mind

1 Additional Insured $15 | Unlimited Additional Insureds $30

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
Identity Recovery Coverage $15,000
Deductible $250

Not ready to buy?

Setup a reminder for the day you want to purchase.

Set a reminder

No pressure. No hassles.

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: