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You worked tirelessly to be where you are today as a massage therapist. Shouldn’t your insurance cover the business you worked so hard to build?
At Simply Business, we offer massage therapist liability insurance policies that cover you no matter what obstacles your business encounters. To get started, answer a few simple questions, compare your free quotes from top insurers, and pick the policy that works best for your needs.
The best part? You can start comparing your insurance quotes in less than 10 minutes.
See what it’s like to have reliable, comprehensive massage therapy insurance that understands your business. Get your free quotes today!
Depending on your business’s needs, the massage therapy insurance coverage you need will vary. Below are two policies we recommend for massage therapists:
Commercial general liability (GL) insurance for massage therapists covers the costs associated with third-party accidents, property damage, bodily injury, and more. General liability insurance can also protect your massage therapist equipment in case of an accident or theft while you’re working.
If you don’t have GL insurance coverage, you will likely be responsible for any associated costs. Did you know that the average claim for property damage or accidents for small businesses is roughly $30,000? That $30,000 would come out of your bank account unless you’re insured, so it’s definitely important to have a comprehensive policy on your side.
Let’s say, for example, you’re moving into a new space in a medical spa, and you accidentally knock over and break a decorative statue in the lobby. The statue is worth a lot of money, and the owner of the spa is not happy.
So what do you do?
If you don’t have massage therapist liability insurance, you’d have to pay for the statue out of pocket. But if you do have a policy that covers these types of incidents, you won’t have to pay for replacement of the statue.
So what could a general liability insurance policy cover?
Now check out what general liability insurance usually doesn’t cover:
Most states require businesses that have employees (even part-time or temporary) to carry workers compensation insurance. This insurance, also known as workers comp, protects your business in the event an employee gets sick or injured while working.
For example, let’s say an employee of yours is moving a heavy massage table and drops a corner on their foot, which requires a visit to the hospital to get their foot evaluated, resulting in medical bills and a few weeks of physical therapy. Rather than your business paying for those bills, your workers comp insurance saves the day. Your workers compensation policy also covers other expenses like time missed from work.
The financial impact of not having workers compensation insurance can be devastating to a business. In 2018, the average medically consulted work injury cost was $41,000. That’s a lot of money to pay out of pocket on the spot.
Workers compensation insurance for massage therapists can cover:
You may be thinking, “Another business expense? Do I really need to add this to my plate?” We get it — the last thing you want to do is add another expense to your list, especially if you’re still getting your business up and running.
But the cost of accidents, injuries, lawsuits, theft, and other incidents far outweigh the cost of an insurance policy. Plus, if workers comp insurance is required in your state, you might wind up paying hefty fines without that coverage. What may seem like a big cost now will pale in comparison to what you might have to pay if you don’t have massage therapist insurance.
Consider the costs of the most common small business liability claims:
What’s more, if you’re sued by a customer (even if you did nothing wrong), you could be facing some hefty legal fees. An average of between 36% and 53% of small businesses encounter at least one litigation, so you want to make sure you’re covered.
You could be the safest, most responsible massage therapist in the business, but unfortunately, accidents still do happen. That’s why you should consider purchasing massage therapy insurance.
Accidents and lawsuits aside, carrying proof of massage therapist insurance can have a significant impact on the growth of your business, such as:
When you purchase massage therapist insurance through Simply Business, we’ll give you a certificate of insurance (COI), so you can start providing proof of coverage.
If your business employs part-time, full-time, or temporary employees, you are required to carry workers compensation insurance. Depending on your state, you also may be required to carry massage therapist liability insurance. If you decide to rent a space for your massage therapist services, you also may be required to carry insurance.
You can deduct the cost of your insurance premiums when filing your business’s taxes each year. For more information on which business expenses are tax-deductible, we recommend checking with an accountant.
The appropriate coverage for your business will depend on a variety of factors, such as:
Our quote form provides you with the recommended amount of coverage, depending on your business needs. If you have additional questions, our licensed insurance agents are happy to assist you!
To get your massage therapist quote as quickly as possible, have the following information on hand to speed up the process:
Your state may have insurance requirements for massage therapists that differ from other states. Don’t stress, though! Our quote process provides you with the specific insurance for your state. Also, our insurance agents can help you understand your state’s requirements for massage therapist insurance.
A massage therapist insurance policy that includes commercial general liability insurance and workers compensation can cover:
The cost of your policy will be determined by many factors, like the type of work you’re doing and the number of employees (if any) you have. As a rule of thumb, you can expect your policy costs to be determined by:
Curious to see how much massage therapist insurance may cost you? Just click here to answer a few easy questions, get free policy quotes, and compare plans and prices.
If you offer other services, our licensed insurance agents can help you find the right coverage that includes the most comprehensive protection.
Simply Business is an online insurance brokerage that makes comparing quotes and policies from top insurers easier than ever. Thousands of customers trust us to protect their growing businesses of everything from accidents and injuries to lawsuits and theft.
Why choose Simply Business?
We’re fast and affordable. Our policies are fast, affordable, and ready when you are. Say goodbye to stressing about having the right coverage.
We’re flexible with coverage. No matter what changes you need to make to your policy, we’re here to help.
We get your business. Your business is unique, so shouldn’t your insurance policy be, too? We understand what your massage therapist business needs, and we’ll make sure you’re covered.
Your massage therapist business deserves the best protection, which is why we offer the best coverage.
* Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on January - March 2023 data of 10% of our total policies sold.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.