Kinesiology Insurance for Massage Therapists
Peace of Mind for Bodywork Pros
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
From $12.74/month
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Kinesiology Insurance From BBI
Beauty & Bodywork Insurance (BBI) is the best choice for protecting massage therapists and body workers who include kinesiology in their services — whether that’s movement-based assessments, muscle testing (within your scope of practice), or kinesiology taping.
Affordable
Coverage priced with your budget in mind.
Comprehensive
General and professional liability coverage included in every massage therapy insurance policy.
Supportive
Licensed, non-commissioned customer service agents available if and when you need them.
What Is Kinesiology Liability Insurance?
Liability insurance is designed to protect your massage therapy business from expensive claims connected to your work, like a client saying your kinesiology-based approach caused a new injury or aggravated a previous one.
Adding kinesiology techniques to your massage menu expands your services and what clients may expect from you. Kinesiology liability insurance helps you keep offering those services with more confidence and less worry over “what if” scenarios.
Is Kinesiology Covered Under BBI Massage Insurance?
Kinesiology-based services involve movement assessments and the use of exercise, movement, massage, and physical-conditioning techniques to improve a person’s function, mobility, strength, endurance, and for overall injury prevention.
Kinesiology and kinesiology-based techniques are covered with BBI’s fitness trainer endorsement. So, to insure these services, you must add fitness trainer coverage to your BBI massage therapist policy.
The fitness trainer endorsement costs $2.75 per month in addition to your $9.99 per month base rate. This would make your total liability policy cost for massage therapy, including kinesiology, $12.74 per month.
With the fitness trainer add-on, you can keep your massage coverage streamlined with one policy that covers all your services. In addition to kinesiology services, the fitness trainer insurance endorsement also covers training modalities like:
- Aerobics instruction
- Barre fitness instruction
- Dance instruction
- Pilates instruction
- Yoga instruction
Note: All policies have conditions, limitations, and exclusions. Always review your policy language for the exact details.
What Coverage Does Kinesiology Insurance Include?
Your base massage therapy policy includes:
- General liability insurance: Coverage built to help when clients get hurt or have their property damaged during their appointment or at your business
- Professional liability insurance: Designed to cover the professional services you offer if you make a mistake that causes client injury
- Personal and advertising injury coverage: Protection in case you’re accused of non-physical damage, like libel, slander, or false advertising
- Products and completed operations coverage: Coverage for the products you use and your completed massage services if they cause harm to a client
- Fire legal liability coverage: Can help pay for accidental damage to the space you rent
- Medical expense limit: Made to help pay for medical expenses related to your work – whether or not you’re at fault
The standard massage policy excludes coverage for exercise and fitness services, like kinesiology. The fitness trainer endorsement expands your BBI policy, so all the above coverages can apply to your kinesiology services. It’s not a separate policy; think of it as an insurance upgrade.
Get all the essential coverages, plus more add-on options with BBI.
Why Choose BBI for Kinesiology Insurance?
BBI is built for beauty and bodywork pros who want to get the proper coverage without finding and maintaining business insurance turning into a second job. With BBI, you get:
- 24/7 online policy management
- Coverage that can start immediately after purchase
- High coverage limits at a low cost
- Monthly or annual payment options
- Option for unlimited additional insureds
- On-the-go coverage for all your work locations
- Licensed, non-commissioned agents ready to help!
- Occurrence-form coverage* for long-term protection
- Multiple tools and supplies (inland marine) coverage tiers to protect your equipment
- Resources, tools, and tips to help you grow your business
*If you purchased your policy after July 1, 2024, your policy is an occurrence-based policy. If you purchased or renewed your policy before July 1, 2024, your policy is a claims-made policy and is eligible to become an occurrence-based policy after July 1, 2025.
You Can Relax, Too
You’re careful. You document. You do intakes. And still—stuff happens.
- $3,788
- $118,121
- $7,299
All policies have conditions, limitations, and exclusions; read the policy for exact wording. Claim scenarios vary and do not guarantee coverage.
Quote-Free Kinesiology Insurance
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General and Professional Liability Limits
General & Professional Liability Aggregate
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
Products & Completed Operations Aggregate
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
Personal & Advertising Injury
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
Each Occurrence
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
Damage to Premises Rented to you
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
Medical Expense Limit
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
Massage therapist policies start with general and professional liability coverage. The fitness trainer endorsement is necessary to cover kinesiology services. Additional add-ons can further boost protection for your business.
$2 – $5.50 / month
Tools and supplies coverage, or inland marine insurance, can pay to replace your movable business gear if it gets damaged or stolen.
Good for: Covering your massage table, oils, business tablet, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Adding additional insureds extends your coverage to qualified third parties you add to your policy that may be affected by claims brought against your business.
Good for: Meeting the requirements of salon or spa owners, landlords, venue organizers, 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 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 Kinesiology Insurance for Massage Therapists
Why Do Massage Therapists Who Offer Kinesiology Need Insurance?
Massage therapists who provide kinesiology services need insurance because claims don’t require bad intentions, just allegations, misunderstandings, accidents, or a client who expected a different outcome. Insurance is designed to help you avoid paying out of pocket for covered claims (within policy terms).
How Much Does Kinesiology Insurance Cost?
BBI massage therapist coverage starts at $9.99/month, or $96/year. The fitness trainer endorsement costs $2.75 per month. This makes your total liability policy starting cost for massage therapy, including kinesiology, $12.74 per month.
The final cost of your premium depends on any additional coverages you select. Our customizable policies ensure you pay only what you need. Learn more about the cost of massage therapist insurance.
Does My Policy Cover Me if I Work in Client Homes?
Yes. BBI policies go where you go, and cover you whether you work out of your home, clients’ homes, spas, at pop-up events, or all of the above.
Your Hands Are in Great Hands
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!
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What Other Services Are Covered in a BBI Massage Insurance Policy?
Does your massage menu include other services? BBI’s massage therapist insurance also covers you for:
