Why do massage therapists need business insurance?
If a customer claims that your massage caused an injury, your business could face major consequences. Massage and bodywork insurance provides peace of mind and financial protection against lawsuits, injuries, and accidents.
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Insureon helps massage therapists compare small business insurance quotes from top U.S. carriers online.
Get several quotes with one easy online application.
What types of business insurance do massage therapists need?
These insurance policies cover the most common risks of massage therapy.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a client slipping on spilled massage oil. It’s often the first policy purchased by a massage business.
- Slip-and-fall accidents
- Customer property damage
- Product liability insurance
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective type of commercial insurance for a masseur.
- Customer bodily injuries
- Customer property damage
- Business property damage
Professional liability insurance
This policy covers legal costs related to work performance, such as a client’s claim that your deep tissue massage aggravated a back injury. It's also called errors and omissions insurance (E&O) or malpractice insurance.
- Pain caused by bodywork
- Burns from hot stone massage
- Missed appointments
Workers’ compensation insurance
Most states require workers' comp for massage therapy businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for massage therapists who handle credit cards and other personal information.
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a massage therapy business. Most states require this coverage for vehicles owned by a business.
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
How much does personal care, beauty, and massage therapy insurance cost?
Massage professionals who work on their own can expect to pay less for small business insurance.
Factors that affect massage therapist business insurance premiums include:
- Massage services offered, such as Swedish and shiatsu
- Value of massage tables and other business property
- Business income
- Location
- Type of insurance coverage
- Coverage limits and deductibles
How do I get massage therapist insurance?
It's easy to get massage liability insurance and property insurance with Insureon if you have your business information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance as proof of insurance in three easy steps:
- Complete our free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Our licensed insurance agents work with top-rated U.S. carriers to find coverage that fits your business needs, whether you work independently or hire employees.
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