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What does massage therapist insurance cover?

Massage therapist insurance helps cover legal fees and compensation claims related to running your business. It can cover the cost of compensation, lawsuits, and other expenses related to: 

  • Allegations of malpractice, negligence, or professional mistakes  
  • Third-party injury and property damage claims  
  • Damage to your business property and equipment  
  • Business interruption caused by covered events  
  • Employee injuries 

BizInsure understands the unique risks faced by massage therapists. Compare quotes, choose coverage, and buy online—all in minutes. 

insurance for massage therapist

Why do massage therapists need insurance?

Massage therapists may consider insurance to help protect their business, equipment, and staff. 

Whether you work from a clinic, spa, wellness center, or operate your own practice, providing hands-on treatments comes with risk. Allegations of malpractice, accidental client injuries, property damage, or other unexpected claims can lead to costly legal fees and compensation payments. Insurance can provide a safety net for massage therapists against these unexpected risks while they focus on caring for their clients. 

What types of insurance do massage therapists need?

BizInsure combines Professional Liability and General Liability into a single package for massage therapists. These insurance policies cover the common risks for massage therapists, from claims tied to technique and treatment to client injury or property damage during a session.

General Liability insurance

General Liability Insurance protects your massage therapy business if a client or third party is injured, or their property is damaged, as a result of your business activities or services. It covers legal costs and compensation costs.

General Liability

Professional Liability insurance

Professional Liability Insurance (also known as Malpractice insurance) protects massage therapists if a client claims your technique or treatment caused them injury or harm. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

Professional Liability nurses

Sexual Abuse and Molestation

Sexual and Physical Misconduct Coverage protects massage therapists against allegations of sexual or physical misconduct raised by a client. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

Sexual harassment Cover

Workers Compensation Insurance

Workers’ Compensation Insurance protects your business if an employee is injured while working, covering their medical costs and lost wages.

Workers Comp insurance

Fast, Simple and Convenient

Start a quote to see how much you can save and buy online in minutes.

How much does message therapists insurance cost?

Massage therapy insurance starts at just $42.31 per month for combined professional and general liability coverage.

massage therapist

Factors influencing cost

  • Risks of the industry 
  • Coverage level amount
  • Annual turnover
  • Number of employees
  • Claims history

The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

Get flexible coverage to match your needs

Customize your protection with flexible coverage levels that meets your specific business needs.

Coverage levels to choose

  • Up to $1 million per occurrence
  • Up to $3 million in the aggregate

Coverage levels to choose

  • $1 million per occurrence
  • $3 million in the aggregate
  • Statutory Profession Requirements
  • Coverage required by contracts
  • Number of employees being covered
  • Your contract value
  • Worst case scenario claim size
massage therapist

Factors influencing cost

  • Risks of the industry 
  • Coverage level amount
  • Annual turnover
  • Number of employees
  • Claims history

The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

Get flexible coverage to match your needs

Customize your protection with flexible cover levels that adapt to your specific business needs.

Coverage levels to choose

  • Up to $1 million per occurrence
  • Up to $3 million in the aggregate

Coverage levels to choose

  • $1 million per occurrence
  • $3 million in the aggregate

Unsure how much to choose? Think about:

  • Statutory professional requirements
  • Coverage required by contracts
  • Number of employees being covered
  • Your contract value
  • Worst case scenario claim size

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