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Massage Therapist Insurance

Affordable Protection for Massage Therapy Services

Simply Business is pleased to provide tailored insurance options from:

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Massage Therapy Insurance That’s Made Just for You

As a massage therapist, you know how to relieve pain, improve circulation, and increase a client’s overall wellness through muscle manipulation. While you’re helping a client feel better, insurance can help you feel better about running your practice.

At Simply Business, we can help you find a massage therapy insurance policy that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great work for your customers.

What Insurance Do Massage Therapists Need?

Whether you’re visiting a client at their home or they’re coming to visit your office, you’re at risk for accidents and property damage. Being a massage therapist means you have a lot of equipment that could be damaged or that causes damage to someone else’s property. If a client gets hurt during a session with you, your business could be exposed to lawsuits and medical claims.

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Need more detail? Read our FAQs:

Coverage Type

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General Liability Insurance for Massage Therapists

General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury.

Let’s say you have to visit a man in his home, and as you’re moving your heavy equipment, you accidentally hit a wall. He sees significant damage and sends you the repair bills.

Without general liability insurance, your massage therapy business is responsible for paying the costs of that man’s repair bills. That’s why we recommend that massage therapists carry general liability insurance, as it can provide their business with essential protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Expected or intentional injury or damage
  • And more

Learn more about General Liability Insurance.

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Professional Liability Insurance for Massage Therapists

Professional Liability insurance is a type of policy that provides coverage in the event a customer alleges negligence from your professional services. As a massage therapist, the way you talk about your services or advise a customer is crucial -- and costly if you omit information or are negligent in your services.

If your customer decides to sue your business for mistakes related to your massage therapy services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to negligence.

Additionally, if a massage therapy session goes wrong for any number of reasons, you may be susceptible to a lawsuit from a customer, whether or not negligence occurred.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • Claims and damages
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Employment matters
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

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Workers Compensation Insurance for Massage Therapists

As a massage therapist with employees, whether you’ve hired full-time help or subcontractors, it’s important to protect your business further with a workers compensation policy. If an employee gets sick or a workplace injury, workers compensation prevents them from suing your business. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.

Coverages include:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

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How Much Does Insurance for Massage Therapists Cost?

While there’s no single answer for how much insurance costs for massage therapists, you can get an estimate for what you may pay based on:

  • Your revenue
  • Your payroll
  • Your business location
  • The type of services you provide
  • And more
  • Want to find out how much your massage therapy business insurance may cost?

Click here to answer a few questions so we can help you learn how much you can expect to pay for your massage therapist insurance coverage.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by Simply Business or your insurance carrier. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.