General liability insurance and professional liability insurance are the best insurance for massage therapists and students. Just like aromatherapists, physical therapists, cosmetologists, and reflexologists, get insured and you'll have a trusty countermeasure against lawsuits and income loss. Read this discussion to learn:
How general liability and professional liability insurance for massage therapists works
What other insurance policies to consider getting
The cost of premiums
Where to get the best coverage
Limits Of General Liability Insurance for Massage Therapists
|General liability insurance per occurrence limit
|$1 million-$3 million
|General liability insurance aggregate limit
|$2 million-$3 million
|Products and completed operations coverage limit
|Advertising injury coverage limit
|$1 million-$2 million
|Rented premises liability coverage limit
|Business equipment floater limit
As a massage therapist, you need to get a $1 million general liability insurance policy. Also referred to as massage therapy liability insurance, this will protect you against claims for bodily injuries and property damage. General liability insurance is useful when:
A client files a claim and accuses your massage session of being invasive, resulting in bruises and body pains
The massage therapy you provided aggravated the client’s existing bodily conditions, such as joint pains, stroke, high blood pressure , and other illnesses
The client sustained injuries due to defective massage equipment
A client was allergic to the massage oil and sustained rashes and burns
General liability insurance provides money each time a claim for bodily injury or property damage is filed. Include this to a massage therapist insurance plan to cover the following costs:
Medical treatment of clients who got injured because of your service
Reimbursement to the properties of clients that got damaged because of your fault
Defense costs such as attorney fees, court filing fees, investigation fees, etc.
Aside from clients, general liability insurance will also protect you against claims for bodily injuries or property damage filed by independent contractors, visitors, interns, volunteers, and other third parties.
Note that general liability insurance doesn’t cover assault and battery, abuse, molestation, and sexual misconduct.
Your general liability insurance will have additional coverages included. Other exposures commonly covered by this massage therapy insurance coverage are:
Advertising Injuries-General liability insurance for massage therapists comes with advertising injury coverage, and it will take care of claims for slander, copyright infringement, invasion of privacy, and libel
Liability Over Damage To A Rented Space-General liability insurance comes with rented premises liability coverage. It’s useful if you’re a massage therapist renting a commercial spa or a massage room. If the landlord’s property gets damaged by fire, rented premises liability coverage will take care of indemnification on your behalf
Equipment Coverage-The general liability insurance for massage therapists might also come with a basic equipment coverage. Equipment coverage will reimburse losses if massage chairs, tables, and other equipment get damaged or lost
Limits Of Professional Liability Insurance for Massage Therapists
|Professional liability per occurrence limit
|$2 million-$3 million
|Professional liability aggregate limit
|$3 million-$10 million
|Defendant expenses coverage limit
|License protection coverage limit
|$10,000 per claim
|Deposition representation coverage limit
|$2,000 per claim
|HIPAA claims coverage limit
Professional liability insurance for massage therapists takes care of costs if you’re accused of committing acts constituting negligence or malpractice. This massage business insurance is also called malpractice insurance.
You need to purchase $2 million-$5 million worth of professional liability insurance. Here are some situations where you’ll find this policy useful:
A client files a claim and accuses you of using improper techniques during the massage session
The client files a claim and accuses you of falsifying professional certifications and portfolios
You failed to assess a client’s condition. As a result, the massage therapy resulted in bruises, swollen muscles, or broken ribs
You used chiropractic manipulation, which falls out of the scope of a massage therapist’s expertise
You are accused of violating the Health Insurance Portability and Accountability Act of 1996
Professional liability insurance will cover these costs each time a claim for negligence or malpractice is filed by clients against you:
If you need to join the trial or take part in an investigation, professional liability insurance might cover lost income and reimburse extra expenses. It might also cover the costs of proceedings for the cancellation of your license.
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Limits Of Commercial Property Insurance for Massage Therapists
|Building coverage limit
|Contents coverage limit
|Outdoor signs, fences, trees, and other exterior installations coverage limit
|Money and securities coverage limit
|Employee dishonesty coverage limit
|Credit card loss or damage coverage limit
|Water backup and sump overflow coverage limit
Renting a massage room costs $200-$800. Having a massage salon built will cost about $50,000-$300,000. Investments needed for a massage business are hefty. It’s smart to get commercial property insurance.
Commercial property insurance reimburses your financial losses if the massage room or salon you own, rent, or lease gets damaged or destroyed by:
The contents of your massage room or salon are automatically covered by commercial property insurance. It also recovers lost investments if massage chairs and tables, oils and scents, fabric washers, computers, sound systems, furniture, and other valuables get damaged or lost.
By the way, remember that you can’t use commercial property insurance to recover losses if your massage room or salon and the contents inside become lost or damaged due to war, earthquakes, mudslides, landslides, and floods.
The equipment you use for massage therapy will get broken sooner or later. Take care of repair or replacement expenses without using your own reserves by getting equipment breakdown insurance.
Equipment breakdown insurance provides the money you can use to repair or replace broken business equipment. Coverage applies when covered valuables got damaged or lost due to:
Workers' compensation insurance is a requirement if you’re a massage therapist with one or more employees.
There are many occupational injuries in massage therapy. You and employees can sustain rotator cuff injuries, tendonitis, and bursa injuries. Not to mention, certain lotions, creams, or oils can irritate the skin.
Workers' compensation insurance is useful because it will take care of these costs when you or an employee sustains a work-related injury or disease:
Medical treatment and private EMT service
Limits Of Employer’s Liability Insurance for Massage Therapists
|Each employee injury by accident coverage limit
|Each employee injury by disease coverage limit
|Employee injury per policy
It’s important to get employer’s liability insurance when you have employees. By having this insurance, you can cover costs if an employee sues you for negligence after sustaining a work-related injury or disease. While available as a stand-alone policy, you usually get employer’s liability insurance as part of workers' compensation insurance.
Some independent massage therapists are mobile massage therapists-meaning massage professionals who don’t have their own commercial space but instead visit clients to perform a service.
There’s a tailored mobile massage insurance for such types of massage therapists, which bundles general liability, professional liability, and commercial auto insurance.
The third policy, commercial auto insurance, covers a mobile massage therapist’s vehicle. The policy provides protection against liability for vehicular accidents, the cost of repairing damages, and the cost of emergency services if an issue happens while traveling. Coverages included in commercial auto insurance are:
Auto liability insurance
Physical damage coverage
Emergency roadside assistance
Auto liability insurance covers the cost if you get involved in an accident while on the way to meet a client. The purpose of this policy is to give you money to pay for legal fees and settlements to injured third parties. In case someone’s property got damaged, auto liability will cover the claim of that person too.
Physical damage coverage can be categorized into two; collision insurance and comprehensive insurance. Collision physical damage coverage helps you repair your vehicle if it got damaged in a collision with a vehicle or object. On the other hand, comprehensive physical damage coverage covers costs if your vehicle got damaged because of extreme weather, vandalism, theft, fire, or arson.
Emergency roadside assistance takes care of gas delivery, tire repair or replacement, towing expenses, and other extra expenses if your vehicle breaks down during a trip.
The massage insurance cost varies depending on which insurance policy you decide to get. Here’s a table showing the premiums for each massage insurance policy.
|Cost per Month
|Cost per Year
|General liability insurance
|Professional liability insurance
|Workers compensation insurance
|Commercial property insurance
|Commercial auto insurance
A $1 million general liability insurance for massage therapists costs $18 per month or $216 per year. This estimate assumes that you’re a massage therapist with 5 employees and make $500,000-$750,000 revenue annually. Get cheap massage insurance by:
Ensuring your certificates and training portfolio are up to date
Have risk management programs in place
Only working with associates with certifications and membership at massage organizations
Bundling two or more insurance policies
Getting higher deductibles
Renovating your massage room or salon with non-combustible materials
To get a further idea of your premiums, here’s a table showing the carriers that offer rates lower than massage liability insurance $99:
|Cost per Month
|Cost per Year
|Best overall; Fastest general liability insurance for massage therapists
|Massage therapist insurance online quotes comparison
|Comparing massage therapist insurance quotes over the phone
|Short-term massage liability insurance
|Massage therapist liability insurance with worldwide coverage
|Massage therapists’ insurance with benefits
|Massage insurance with comprehensive limits
|Beauty And Bodywork
|Specialty insurance for massage and bodywork professionals
|2-year massage therapist liability insurance
Get all the best quotes from leading providers in a click of a button!
These are the best massage insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance.
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for massage therapists
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more massage insurance policies and get a 10% discount
Couldn’t find any
NEXT offers a business owner’s policy with optional workers compensation insurance coverage. Work with NEXT because it allows you to get instant proof of insurance upon getting covered. Furthermore, a 10% discount is granted if you decide to get two or more massage and bodywork insurance policies.
Best for: Best overall; Fastest general liability insurance for massage therapists
Average cost: $13 per month for a $1 million general liability coverage
Our rating: 10/10
Get insured online
Compare massage insurance quotes
Cancel your policy quickly and without additional fees
Not a carrier but a broker offering the quotes of its partners
CoverWallet is an insurance broker with an online quote comparison platform where you can compare the offers of different carriers offering the best insurance for massage therapists. The company also customizes the quotes of its partners and comes up with its own insurance product for customers who want to get insured instantly.
You have four insurance options with CoverWallet. You can decide to get general liability only, general liability with commercial property, bundle general liability and commercial property in a business owner’s policy and get professional liability insurance, or get a customized cover where you can freely add or remove insurance policies.
So what are the perks of getting insured with CoverWallet? Aside from having the ability to manage and pay for insurance online, you can also get an online certificate of insurance and 24/7 online claims filing.
Best for: Massage therapist insurance online quotes comparison
Average cost: $15 per month for $1 million general liability coverage
Our rating: 10/10
Responsive customer service
Will take you to partners if it can’t provide coverage
A partner of reputable insurance companies such as Progressive and Geico
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) provides coverage for microblading professionals and other related fields in the personal care industry such as massage therapists, nail technicians, and more. You can get general liability, workers' compensation, professional liability, commercial property, and other business insurance products from this company.
Call Tivly now to compare massage therapist insurance quotes over the phone and get covered.
Best for: Comparing massage therapist insurance quotes over the phone
Average cost: $16 per month for a $1 million general liability insurance
Our rating: 10/10
Short-term massage insurance
Get insured online
Get instant proof of insurance
Online policy management is not very intuitive
Thimble's massage insurance is exclusive to spas. Just like CoverWallet, Thimble can insure you instantly online. The best part is you don’t need to talk with an agent. All you have to do is choose which policies to get and then proceed with the purchase.
So what are the policies included in Thimble’s massage insurance? Inclusions are general liability, commercial property, and workers' compensation. If you want more protection from claims, Thimble also offers stand-alone professional liability insurance.
Choose to work with Thimble because its massage insurance can be availed as a short-term policy. This means that you can choose to get insured for only hours, days, weeks, or months. Also, you can cancel your policy anytime without getting charged.
Best for: Short-term massage liability insurance
Average cost: $17.50 per month for $1 million general liability coverage
Our rating: 9/10
Efficient claims handling
14-day money-back guarantee
Choose limits and deductibles
General liability insurance doesn’t come with equipment coverage
Hiscox offers professional liability and general liability insurance for massage therapists. Choose this company and enjoy worldwide coverage, efficient claims handling, and 14-day money back guarantee.
Your general liability insurance from Hiscox has a $1 million-$2 million per occurrence and aggregate limit.
The professional liability insurance of this company, on the other hand, has a $1 million per occurrence and aggregate limit. You can upgrade the policy to enjoy additional coverage for contributory damages.
Best for: Massage therapist liability insurance with worldwide coverage
Average cost: $18 per month
Our rating: 9/10
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
Doesn’t offer commercial auto insurance for mobile massage therapists
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). ABMP insurance cost $229 annually. If paid per month, then ABMP massage insurance cost $19.08.
Best for: Massage therapists’ insurance with benefits
Average cost: $19.08 per month for $1 million general liability coverage
Our rating: 7/10
Per occurrence coverage of $2M ($6M aggregate)
Master Policy annual aggregate of $10M
Legal defense coverage
Covers personal injury, slander, and libel
License protection in the event of legal and settlement costs pertaining to a client filing a claim to a licensing board
Only covers massage professionals
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 other professionals. AMTA insurance cost will be $234.96 annually.
Best for: Massage insurance with comprehensive limits
Average cost: $19.58 per month for $1 million general liability coverage
Our rating: 6/10
Get insured online
Insurance is especially underwritten for the needs of massage and bodywork professionals
Previous customers reported that claims take long to be approved
Beauty And Bodywork massage insurance is an insurance program from the company InsureMyBodywork. Massage and bodywork liability insurance is $25.16 per month. Your massage and bodyworker insurance from this company will also come with optional equipment and inland marine insurance coverage.
Best for: Specialty insurance for massage and bodywork professionals
Average cost: $25.16 per month for $1 million general liability coverage
Our rating: 6/10
LMT liability insurance is available as a 2-year policy
$3 million professional and general liability coverage
Includes stolen equipment coverage and identity protection coverage in its tailored insurance for massage therapists
You can’t add additional insureds for free
Licensed Massage Therapist Insurance policies are available 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.
Best for: 2-year massage therapist liability insurance
Average cost: $30.94 per month for a $1 million general liability coverage
Our rating: 5/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!