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Massage Therapist Insurance: Liability Coverage & Quotes

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Massage therapy brings healing and relief to many who suffer from chronic pain and other disorders. As part of the medical community, it is crucial to understand that massage therapists need to be covered by appropriate insurance protection. Peace of mind for therapist and patient means obtaining adequate massage insurance to mitigate the risk of negative events and their financial impact.

Similar to the considerations of Reflexology Insurance and Aromatherapy Insurance, professionals employed in providing a service to the public must ensure that their business and their clients are adequately provided for in the event of a negative and unintended consequence of their professional activities.


Cheap Business Insurance Near Me

Massage Liability Insurance

Massage therapist insurance contains several elements regarding the issue of legal and financial liability. Bodywork liability insurance, bodyworker insurance, and massage business insurance are all incorporated in the same types of policies, and we will discuss them in this article. Massage liability insurance encompasses the following coverage elements:

  • Professional Liability Insurance (malpractice)

  • General Liability Insurance (commercial policy)

  • Product Liability Insurance (particularly relevant due to the potential of a client’s reaction to products used and often included with General Liability coverage)

  • Rental Damage Coverage

Some policies also include coverage for stolen equipment and other niche risk issues related to specific scenarios and massage therapy insurance coverage needs. For example, mobile massage insurance will logically lead to a discussion of correlating automobile insurance policies.

Finding the best insurance for massage therapists should begin with reviewing the insurance policies available through affiliation with a professional association. There are three significant industry associations we will look at specifically. Once you have reviewed the coverage policies available with various membership options, you will be better able to determine which association is ideal for joining. You can also consider providing your insurance broker with the relevant policy information so that a complete review of your business insurance needs can be undertaken.



Compare Massage Business Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

In partnership with:

Identity logo

In partnership with:

Coverwallet logo

Massage Liability Insurance

Massage therapist insurance contains several elements regarding the issue of legal and financial liability. Bodywork liability insurance, bodyworker insurance, and massage business insurance are all incorporated in the same types of policies, and we will discuss them in this article. Massage liability insurance encompasses the following coverage elements:

  • Professional Liability Insurance (malpractice)

  • General Liability Insurance (commercial policy)

  • Product Liability Insurance (particularly relevant due to the potential of a client's reaction to products used and often included with General Liability coverage)

  • Rental Damage Coverage

Some policies also include coverage for stolen equipment and other niche risk issues related to specific scenarios and massage therapy insurance coverage needs. For example, mobile massage insurance will logically lead to a discussion of correlating automobile insurance policies.

Finding the best insurance for massage therapists should begin with reviewing the insurance policies available through affiliation with a professional association. There are three significant industry associations we will look at specifically. Once you have reviewed the coverage policies available with various membership options, you will better determine which association is ideal for joining. You can also consider providing your insurance broker with the relevant policy information so that a complete review of your business insurance needs can be undertaken.

Professional Liability Insurance for Massage Therapists

Massage therapists must carry sufficient professional liability insurance, in addition to the requisite commercial general liability insurance all small business owners purchase. Some of the elements covered by professional liability coverage are:

  • Good Samaritan Liability

  • Personal Injury

  • Malplacement (in association with referrals and qualifications to other professionals)

  • Assault Coverage (concerns assault against the therapist and may not be available in all states)

  • Damage to Third Party Property

  • Communicable Disease Coverage

  • Data and Privacy Incidents

Beauty and Bodywork Massage Insurance

Massage and bodywork insurance can often be obtained in combination with a policy extension that also allows for associated beauty work practices. For example, some policies will cover the following specific and additional treatments:

  • Deep Tissue Massage

  • Fire Cupping

  • CranioSacral Therapy

  • Reiki

  • Swedish Massage

  • Shiatsu

  • Yoga

  • Cosmetology

  • Esthetics

  • Dance

  • Pilates

Massage Therapist Insurance Cost

In general, the average massage therapist insurance cost is about $42 per month or $500 per year. That said, rates vary depending on business-specific factors. To get the best rates, compare massage therapist insurance quotes online by clicking the 'Get Quotes' button and completing the questionnaire.

Let's take a look at the average massage therapist insurance cost of some of the cheapest massage insurance options, including ABMP insurance cost and other massage liability insurance $99 and under available special offers:

CompanyCost per yearBudgeted Monthly
ABMP Massage Insurance Cost$229 (membership dues + policy)$19
AMTA Insurance Cost$235 (membership dues + policy)$20
Massage Magazine Insurance Cost$169 (policy only)$14
Beauty and Bodywork Insurance (BBI), also known as InsureBodywork$96 (policy only)$8


massage insurance

Best Massage Insurance Companies

When choosing the insurance underwriter who is best for your massage therapy business, you'll need to consider whether you want to move in one of the following directions:

  • Rely on the insurance coverage included in your professional association membership (after determining which association you want to be supported by)

  • Independently obtain LMT coverage through an insurance provider directly 

  • Obtain an insurance coverage review from a reputable insurance broker who can assess your business parameters and professional association coverage and advise regarding recommended additional endorsements, riders, or policy coverage

For massage therapists, finding an insurance provider directly is not as difficult an undertaking as it might be in other businesses or industries. Due to the insurance coverage provided by the industry's governing bodies, specific market knowledge regarding possible market underwriters is less significant than knowing which of the following key industry organizations you trust for direction regarding your insurance coverage:

  • Associated Bodywork and Massage Professionals

  • American Massage Therapy Association

  • American Massage Council

  • Massage Magazine Insurance Plus

  • Beauty and Bodywork Insurance (InsureBodywork)

  • Hands On Trade Association

Designed to bring healing, comfort, peace of mind, and relaxation, massage therapists and bodywork professionals are primed to think ahead in providing their business and their clients' excellence in terms of insurance coverage. Being adequately insured will give the assurance you need regarding the risks associated with this rewarding profession.

ABMP Massage Insurance

The Associated Bodywork and Massage Professionals organization offers ABMP Liability Insurance coverage as part of its member benefits. The liability coverage includes the highest-possible industry rates of $2M per incident ($6M aggregate per year). The policy is the same for those in mobile practice as for stationary therapists.

ABMP policies include the following specific benefits and coverage:

  • Annual limits per member, not aggregated across all of the association's members

  • Legal defense coverage included

  • Additional insured endorsement (AIE) available for employers/landlords

  • Protection from late-filed claims

  • Additional non-insurance benefits as part of association membership, such as professional development, marketing opportunities, and networking events

AMTA Massage Insurance

The American Massage Therapy Association offers its form of liability insurance coverage as well. AMTA is a professional organization specifically for massage therapy graduates and does not cover all bodywork professionals.

AMTA policies include the following specific benefits and coverage:

  • Per incident coverage of $2M ($6M aggregate per year)

  • Master Policy annual aggregate of $10M

  • Legal defense coverage

  • Personal Injury, including slander and libel

  • License Protection in the event of legal and settlement costs pertaining to a client filing a claim to a licensing board

LMT Insurance

Licensed Massage Therapist Insurance policies are available through insurance underwriters for those who feel memberships in industry organizing bodies do not adequately cover them. LMT insurance policies can be found online. You are encouraged to find a reputable insurance broker who can help you determine which policy provides appropriate and affordable coverage for your practice. Remember that obtaining cheap massage insurance is possible but not always preferable, so be certain that you understand your business's coverage through industry associations and whether you need additional insurance products.



Compare Massage Business Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

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In partnership with:

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