Professional Massage Therapy Insurance
The Protection Your Practice Deserves
$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.
What Does Professional Massage Liability Insurance Cover?
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. If they do, you can rest easy knowing that BBI has your back. Here’s how we’ve helped other massage therapists like you:
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Accidents happen – even to the most careful LMTs. If they do, you can rest easy knowing that BBI has your back. Here’s how we’ve helped other massage therapists like you:
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
What to Know About Massage Therapy Liability Insurance
What Is Massage Liability Insurance?
Massage liability insurance is coverage designed to protect you from having to pay for expensive claims, such as client injury, property damage, allergic reactions to products, and more.
A lot of things can go wrong during a session – massage insurance provides peace of mind that your practice is well-covered. Enjoy the freedom to focus on what matters most: 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 simply unhappy 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’re able to offer truly competitive pricing with excellent coverage to match! No association fees – just straightforward value.
Need to add an additional insured? Add one for $15 or unlimited for $30! And customize your base policy further with optional add-ons depending on your business needs.
What Additional Coverages Can I Add to My Massage Therapy Insurance Policy?
Enhance your coverage with these optional add-ons:
Tools and supplies coverage: New coverage options — multiple tiers to choose from to replace your lost or damaged business items, such as your massage table, work tablet, and oils.
Acupuncture, cupping, or microcurrent endorsement: Coverage for specialized modalities you offer through your practice.
Cyber liability insurance: Coverage in case of data breaches or cyber attacks on your business’ or clients’ online information.
Additional insureds: Coverage that extends to a relevant third party, such as your landlord, spa owner, or event organizer.
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)
- Need policy changes? Make them any time!
- 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
*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.
Quote-Free Massage Therapist Insurance
Join thousands of your industry peers who have found peace of mind with BBI’s massage insurance. BBI’s got you covered, everywhere you work.
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.
FAQs About Massage Therapist Insurance
Do Massage Therapists Need Insurance?
Yes, massage therapists need insurance. There are inherent risks with working on the human body; it’s smart to get covered in case of accidents or negative reactions.
Additionally, many of the locations you’d like to work at require massage therapists to carry liability insurance – and to list them as additional insureds. Your state may even list liability insurance as a requisite for your massage therapy license.
What Are Common Massage Therapy Claims?
Common massage therapy claims include:
- 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)
You’re a professional, but accidents happen – even to the best. Getting insured reduces your financial risk so your massage practice can carry on!
What Kinds of Insurance Are the Most Important for Licensed Massage Therapists to Have?
The two main types of coverage licensed massage therapists should have are general and professional liability insurance. General liability insurance covers damages caused by your operations – think slip and falls! Professional liability insurance covers damages caused by your professional services – so anything involving your massage expertise.
BBI’s base policy includes both of these coverages so you can work with confidence.
Is Mobile Massage Therapist Insurance Included?
Yes, liability insurance for massage therapists from BBI includes mobile massage therapists. This allows you to take your services on the road directly to your clients instead of working in a salon, all while having coverage.
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, it’s a smart choice to get cyber liability insurance. If hackers steal these sensitive details, your bank account and reputation could be on the line.
Easily add this coverage during your application and get peace of mind in this digital age.
What Do I Need to Apply Online?
Our online application takes just a few minutes. Here’s what you need:
- Your personal information
- Your policy preferences (any optional add-ons you want)
- Your business activities
- Claim history
- Additional insured information
- Payment information
You’re in Great Hands
Here’s what other people have to say about their experience from over 420+ available reviews.
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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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.
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