Massage Therapist Insurance Cost
Just how much is massage therapist insurance? Check out our cost breakdown so you can make an informed decision on what coverage is right for you.
Ready to get covered now?
How Much Does Massage Therapist Liability Insurance Cost?
Beauty & Bodywork Insurance (BBI) offers massage therapist liability insurance at a flat rate of $9.99 a month or $96 a year. This is the cost of our base policy, which includes essential general and professional liability insurance backed by a top-rated carrier.
Optional coverage add-ons are available to enhance your policy.
Note: Based on BBI data from January 2025.
“Wait, under $9?” Yes! The majority of our massage therapist policyholders (58.82%) opt for our base policy only and pay the annual premium upfront, which amounts to a cost of $8 a month.
How Much Does Each Type of Coverage Cost?
BBI’s select-your-coverage system allows you to customize your policy easily. Simply start with your base policy, then choose whichever add-ons you need for your business.
General & Professional Liability Insurance | $9.99/month
Click on the coverages below to view pricing.
$2,000 in annual coverage | +$2/month
$10,000 in annual coverage | +$5.50/month
Add one | +$1.25/month
Unlimited | +$2.50/month
+$6.58/month
+$2.92/month each
Learn more about:
What Payment Plans Are Available?
Pay how you like — select from a monthly or annual payment plan.
If you choose a monthly payment plan, you’ll pay from $9.99/month.
If you choose a yearly payment plan, you’ll pay $96 once for a year’s worth of coverage.
Note: Based on BBI data from January 2025.
What Are BBI’s Coverage Limits?
BBI’s policy includes industry-preferred coverage limits:
- $2 million in coverage per claim (occurrence limit)
- $3 million in coverage for the entire policy year (aggregate limit)
For about 26 cents a day, you get total peace of mind that your practice is protected against costly claims!
What Factors Affect Massage Therapy Insurance Cost?
Most insurance companies will factor the following to calculate your premium cost:
- Your experience as a massage therapist
- The range of bodywork modalities you offer
- Your state and the location you work out of
- Policy type (claims-made or occurrence)
- Your history of past insurance claims
With BBI, your massage insurance cost is transparent. Your final cost is calculated solely by:
Any optional add-ons you select
The payment plan you choose
How Can I Reduce the Cost of Massage Therapist Insurance?
With coverage from BBI, you can feel confident you’re paying an affordable price for high-quality protection. To lower your business costs further:
Pay Upfront
You can save nearly $24 by paying annually (versus monthly) for your BBI policy.
Be Selective
Add only the extra coverages that are right for your business.
Opt for Unlimited
Work at multiple locations? Save by selecting unlimited additional insureds for $30 (versus $15 per).
Lower the chance of claims by communicating clearly with clients, maintaining a safe workspace, and staying within the scope of your practice.
Why BBI for Massage Therapy Liability Insurance?
BBI’s massage therapy insurance is designed for professionals like you.
Our benefits:
- An excellent-rated carrier
- Fast and easy online purchase
- Instant coverage for wherever you work
- Friendly support agents who don’t work on commission
- 24/7 online access to your policy
- Occurrence-based coverage*
- Protection for 250+ services
- Hassle-free claims filing
- Zero membership fees
*New policies purchased after July 1, 2024 include occurrence-based coverage. Currently not for sale in Missouri.
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.
How Do I Get Covered?
Getting covered with BBI is easier than folding a fitted massage table sheet.
- Start your application
- Select your coverages
- Tell us about your business
- Confirm, purchase, and you’re all set
Click the button below to get started.
FAQs About Massage Therapist Insurance Costs
Why Do I Need Liability Insurance?
You need liability insurance to protect your practice financially in case of third-party (client) claims of bodily injury or property damage! Accidents happen — even to the most careful and experienced professionals. Insurance gives you peace of mind so you can focus on what you do best: helping clients feel better.
You also need it to:
- Meet employment requirements
- Enhance your professional credibility
- Maintain certification in some states
What Does Massage Liability Insurance Usually Cover?
- General liability insurance
- Professional liability insurance
- Products and completed operations coverage
- Personal and advertising injury coverage
- Fire legal liability coverage
- Medical expenses coverage
All of these coverages come standard in your BBI massage liability policy!
How Much Is Liability Insurance for Massage Therapists With Other Insurance Companies?
Other insurance companies charge an average of $180 per year for massage liability insurance. What’s more, some competitors tack on membership fees or have coverage limits that are shared amongst policyholders.
With BBI, you save an average of 47%** compared to what you’d pay elsewhere. Enjoy affordable coverage you can count on — with no sneaky extras, ever.
**Average savings calculated by comparing similar massage therapist liability policies as of January 2025.
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
