Massage Therapy Insurance
Coverage Trusted by Long-Time Pros*
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Or $96/year
*68% of BBI LMTs have over a decade in the industry!
Save on your massage therapy CE hours
Massage Therapy Insurance for Licensed Massage Therapists
Beauty & Bodywork Insurance (BBI) is an excellent choice for protecting your massage therapy business. BBI at a glance: Base policies include general + professional liability starting from $9.99/month or $96/year — with instant proof of insurance, coverage for multiple modalities, and protection wherever you work. Plus, easily add additional insureds, protection for your gear, and more.
Affordable
Starting from $96/year for $3 million aggregate coverage.
Comprehensive
General and professional liability coverage included. Plus instant proof of insurance.
Supportive
U.S.-based, licensed customer support available Monday – Friday from 6:00 am – 6:00 pm Mountain Time.
Common Questions About Liability Insurance for Massage Therapists
What Is Massage Liability Insurance?
Massage therapy insurance is liability coverage designed to help pay for client injuries, property damage, and claims that your services caused harm. BBI’s massage therapist insurance starts at $9.99/month or $96/year and includes both general and professional liability coverage.
- Who it’s for: Licensed massage therapists, mobile massage businesses, and independent contractors across 49 states (Missouri excluded).
- What’s included: General and professional liability, products and completed operations, personal and advertising injury, damage to rented premises, and more — all in one policy.
- What can be added on: Tools and Supplies Coverage (Inland Marine), additional insureds, cyber liability, sexual abuse & molestation coverage, and more.
Do Massage Therapists Need Insurance?
Yes; All massage therapists should carry liability insurance to help cover the cost of common claims, like:
- Slip-and-fall accidents caused by wet floors or wet weather
- Chemical irritation, burns, or allergic reactions
- Burns from hot tools
Many spas, landlords, and state licensing boards require proof of massage therapy insurance before you can work, lease space, or renew your license.
What's Included in BBI Massage Therapy Insurance?
BBI’s massage therapy insurance includes multiple types of coverage in the base policy:
- General liability insurance: For third-party bodily injury and property damage claims and lawsuits, such as a client’s slip-and-fall injury in your massage room
- Professional liability insurance: For claims and lawsuits related to professional mistakes, recommendations that cause harm, or bodily injury caused by your service (sometimes called malpractice insurance, or errors & omissions)
- Personal and advertising injury coverage: For claims of libel, slander, or false advertising
- Products and completed operations coverage: For claims related to products used in services and completed services that cause injury to a client after an appointment
- Fire legal liability coverage: Can pay for the costs of accidental fire damage to your rented space
How Much Does Massage Therapy Insurance Cost?
BBI’s massage therapy practitioner insurance starts at just $9.99/month or $96/year. Your custom massage therapist insurance cost quote will reflect the payment plan you choose and any additional coverages you select.
Our policies are flat-rate and transparently priced, with excellent coverage to match. Get an instant quote to see how affordable it is to work protected!
Why Choose BBI for Massage Liability Insurance?
Nearly 70,000 professionals, including massage therapists like you, choose us to protect their practices.
Enjoy top-rated coverage with:
- No membership fees
- Easy online application
- 24/7 access to your user dashboard
- Quick, simple 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.
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:
- $29,983 (professional liability insurance)
- $1,162 (general liability insurance)
- $48,062 (general liability insurance)
- $48,062 (general liability insurance)
Get peace of mind today.
- $118,121 (professional liability insurance)
- $160,000 (professional liability insurance)
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee 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
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
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.
$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 Massage Therapy Liability Insurance
Can I Get Proof of Insurance Immediately, and How Much Will It Cost?
Do I Need My Own Massage Therapy Insurance if I Work at a Salon, Clinic, or Rented Room?
Yes; Many spas and clinics carry a general business insurance policy, but that coverage is designed to protect them, not you as an individual therapist. Whether you work as an employee or independent contractor, having your own liability policy is essential for protecting you, no matter where you practice.
Does BBI Insurance Cover Mobile Massage, In-Home Appointments, and Chair Massage Events?
Yes, BBI’s liability insurance for massage therapists covers mobile massage therapists. It follows you from the spa to client homes and everywhere in between.
Don’t forget to protect your movable business property with our Tools and Supplies coverage!
Which Modalities Are Covered by Massage Therapy Insurance and Which Need an Endorsement?
- Cupping
- Microcurrent
- Salon and spa owners
What Isn’t Covered by Massage Liability Insurance?
- Fraudulent activities
- Deliberate misconduct
- Intentional, dishonest, and criminal acts
- Claims you were aware of before the policy began
- Suntan beds or suntan booths
- Any procedure that punctures the skin
- Surgical hair removal, hair implanting or hair transplanting
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.
You’re in Great Hands
Check out what our happy policyholders say.
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