Professional Massage Therapy Insurance
$9.99/ month
Massage therapy insurance is your ticket to peace of mind.
- 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 Insurance From BBI
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:
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:
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Accidents happen — even to the most careful LMTs. With BBI, you’re covered. Here’s how we’ve helped others like you:
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
What to Know About Massage Therapy Liability Insurance
What Is Massage Liability Insurance?
Massage liability insurance is coverage designed to protect you from paying for expensive claims, such as client injury, property damage, and allergic reactions to products.
Massage insurance gives you peace of mind to focus on what matters: your clients.
What's Included in Massage Therapy Insurance?
BBI’s base massage therapy insurance policy includes:
General liability insurance: Covers third-party claims of bodily injury and property damage. It can help pay for medical bills, lost wages, and other damages awarded in a lawsuit.
Professional liability insurance: Covers claims alleging you made a mistake or gave a recommendation that caused harm to a client. It can also cover you if your client is dissatisfied with your services.
Personal and advertising injury coverage: Covers you if you’re accused of libel, slander, or false advertising.
Products and completed operations coverage: Covers the products you use and your completed services if they cause harm to your client.
Fire legal liability coverage: Covers costs of accidental fire damage to your rented space.
Get all the essential coverage for your massage practice with one easy policy.
How Much Does Massage Therapy Insurance Cost?
BBI’s massage therapy insurance starts at just $9.99/month or $96/year. Because of our focus on the beauty and bodywork industry, we offer truly competitive pricing with excellent coverage to match!
Your massage therapist insurance cost is calculated simply by the payment plan and additional coverages you select.
Why Choose BBI for Massage Liability Insurance?
Over 63,000 professionals, including massage therapists like you, have chosen us to protect their hard work.
Enjoy top-rated coverage with:
- No membership fees
- Easy online application
- 24/7 access to your user dashboard
- Quick, pain-free 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.
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.
FAQs About Massage Therapist Insurance
Do Massage Therapists Need Insurance?
Yes, you need insurance to protect your practice financially, especially considering how hands-on massage therapy is!
Many work locations require you to carry insurance and list them as additional insureds on your policy. Proof of insurance may even be a state massage license requirement where you live.
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.
What Kinds of Insurance Are the Most Important for Licensed Massage Therapists to Have?
Licensed massage therapists need general and professional liability insurance. General liability insurance covers incidents like slip-and-falls, while Professional liability insurance covers issues related to your massage services. BBI’s base policy includes both so you can work with full confidence.
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!
Should I Get Cyber Liability Insurance?
Do you store client information (names, addresses, or credit card numbers) online? If so, cyber liability insurance can pay for damages in case of cyber attacks, such as stolen client data. It’s a smart investment to protect your online business operations.
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!
