Massage Therapy Insurance for Professionals & Students

Massage therapy insurance can help protect yourself and your business from the cost of liability claims. Common claims include bodily injury, property damage, allergic reactions to oils, and more. As a licensed massage therapist (LMT), you don’t plan on accidents happening, however, you face risks each day while working—and you know the value of protecting your practice from loss.

Massage liability insurance from BBI provides professional and general liability coverage for professionals and students. 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. Buy a policy today and join the tens of thousands of massage therapists nationwide who have found peace of mind with massage insurance from BBI.

View and download our complete guide to Massage Therapy Insurance. This will help answer any questions you may have and includes all the details of our policies.

$96 per year

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Massage Therapist Insurance

 

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$15 per Additional Insured or $30 for Unlimited

What's Covered with Professional Massage Liability Insurance?

Our massage liability insurance includes coverage for multi-discipline practitioners:

Swedish

Deep Tissue

Shiatsu

Chair

Hot Stone

Animal


WHY BEAUTY AND BODYWORK INSURANCE?

Beauty and Bodywork Insurance provides affordable, top-notch insurance policies for massage therapists without 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

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

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.


MASSAGE THERAPY INSURANCE GUIDE

Our Massage Therapy Insurance guide covers everything you need to know about our policy—from coverage details and limits, to additional insureds, and how to file a claim. This guide is a great resource for you to refer to if you ever have questions about BBI’s policies, or you can contact our licensed insurance agents.

View and Download a Massage Therapy Insurance Guide.


Common Massage Insurance Coverage Questions

Massage liability 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 equipment coverage).

These coverages protect LMTs with massage malpractice insurance. For example, you could have a client who claims they were injured during your massage. Your massage table may break while a client is on it, making you liable for their medical bills. Liability insurance for massage therapists helps protect your finances from claims like these.

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Included in a standard massage 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.

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Yes, we would 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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Because there are so many different types of massage therapy out there, BBI covers a wide variety of massages, including:

  • Deep tissue massage
  • Swedish massage
  • Chair massage
  • Hot stone massage
  • Animal massage
  • Sports massage
  • Thai massage
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At Beauty & Bodywork Insurance (BBI) we offer one price for professionals ($96) and one price for massage therapy students ($67). There are several factors that may affect the total cost of your massage liability insurance policy. Some examples include:

  • The types of modalities you provide
  • How many additional insureds you need to add
  • The coverage limits you select
  • and more

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 monthly payments for massage liability insurance.

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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 insurance isn’t always the way to go because it most likely won’t have all the coverage you need.

Here is a list of considerations to think about so you make sure it is a good fit for you!

  1. If you are being required to purchase insurance for your salon, make sure they have the right general liability limit.
  2. Make sure that you can add Additional Insureds to your policy. Even for a small fee, your employers or landlords may require it.
  3. Check the payment options. Our plan is a one-time, annual fee for $96 per year. You have options to add to your policy to include extra endorsements at any time.
  4. 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.

You can also view our comparison chart to see how BBI compares to other insurance providers.

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No matter how hard you work to avoid a claim—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. Some common massage therapy claims to be aware of, 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 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.
Buy Policy

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. 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.

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Beauty and Bodywork Insurance is a great option for you because you receive both general and professional liability insurance. You can take advantage of our quote-free process and get insured within 10 minutes. With BBI, you can set the date for when your policy becomes active, and you can cancel your policy at any time.

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.

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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Yes, a BBI massage liability insurance policy includes mobile massage therapist insurance, allowing 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 Inland Marine, 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. If you’d like to learn more about cyber liability insurance, take a look at this article.

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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 or 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
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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.

$96
per year

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