How much does massage therapist insurance cost?

Massage therapy offices pay an average of $30 per month, or $357 per year, for general liability insurance.

A massage liability insurance policy helps cover legal fees related to common third-party lawsuits from clients, including those related to customer bodily injury, damage to a client's personal property, advertising injury, and other personal injuries.

Your business may have to show a general liability certificate of insurance in order to sign a commercial lease with your landlord.

General liability coverage often includes product liability insurance, which can help protect your massage therapy practice in the event a customer is harmed by one of your products, such as an allergic reaction to a massage oil.

This is the average general liability insurance policy for licensed massage therapists (LMTs) who buy from Insureon:

Insurance premium: $30 per month
Policy limits: $1 million per occurrence; $2 million annual aggregate

The cost of general liability insurance depends on several factors, such as the coverage limits you choose, the size of your business, the amount of foot traffic you have, and any endorsements you may add, such as an additional insured.

Learn more about how your insurance premium is calculated and how to save money on your general liability coverage.

Massage professionals pay an average of $82 per month, or $979 per year, for a business owner’s policy.

A business owner's policy, or BOP, bundles general liability coverage with commercial property insurance to cover both third-party risks and your business location and building. It typically costs less than purchasing each policy separately.

A BOP protects against customer injuries, property damage, vandalism, and damage to your massage therapy equipment (such as a massage table) and inventory. Because of its increased coverage and affordability, it’s the policy most often recommended by Insureon’s agents.

This is the average BOP for massage therapy businesses that buy from Insureon:

Insurance premium: $82 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

Small, low-risk therapy offices are often eligible for a business owner's policy.

Business owners may see higher costs if they choose to add endorsements to their policy. Insurance endorsements, such as business interruption insurance or equipment breakdown coverage, are often recommended to help avoid financial losses if a fire or power outage forces your business operations to cease for an extended period of time.

The cost of a business owner's policy is based on a number of factors, including the value of your property, where you are located, your business income, the number of employees you have, and your specialty.

Massage therapy business owners pay an average of $42 per month, or $500 annually, for professional liability insurance, which is often referred to as errors and omissions insurance or malpractice insurance.

Professional liability insurance covers claims focused on the professional services you offer, including professional negligence (e.g. failure to deliver promised results or mistakes). This coverage would protect a masseuse if they recommended the wrong hands-on treatment to a patient.

This is the average professional liability insurance for massage therapists who buy from Insureon:

Insurance premium: $42 per month
Policy limits: $1 million per occurrence; $1 million aggregate
Deductible: $750

It's important to keep in mind that claims-made policies, like professional liability, have less coverage because their limits don’t reset, making them less expensive initially than occurrence policies.

Additionally, you must have a policy in action when you file a claim with claims-made insurance. If a claim falls outside the policy period, your insurer won’t pay for your previously covered loss.

The cost of professional liability insurance depends on factors such as the coverage limits you choose, the size of your business, your claims history, and the type of work you do.

For massage therapy businesses, workers’ compensation insurance costs an average of $50 per month, or $604 per year.

This business insurance coverage helps pay for medical expenses if an employee suffers a work-related injury. It also provides disability benefits while they're recovering and unable to work.

To comply with your state’s requirements and avoid penalties, massage therapists typically must purchase this coverage for their employees. It's also recommended for sole proprietors, as healthcare insurance plans can deny claims for medical bills when an injury or illness is related to your job.

Most policies include employer's liability insurance, which covers your legal defense costs related to employee injuries. There's usually no limit to how much a workers' comp policy can pay for employee benefits, though it depends on state laws.

The cost of workers' compensation insurance depends on several factors, including the number of employees you have and the level of risk involved with their jobs.

You can save money on your workers' comp coverage by classifying your workers correctly and implementing a risk management plan to minimize employee injuries.

Massage therapy practices and other small business owners pay an average of $145 per month, or $1,740 annually, for cyber insurance. You might also see this policy called cyber liability insurance or cybersecurity insurance.

Cyber insurance helps small businesses recover financially after a data breach or cyberattack. It can help pay for customer notification costs, fraud monitoring services, and other costs necessitated by state data breach laws.

The cost of cyber insurance depends on the amount of personal information handled by your office, such as customer credit card numbers, along with the number of employees who can access that information.

Small businesses, including massage therapy offices, pay an average of $147 per month for commercial auto insurance, or $1,762 annually.

Most states require this coverage for vehicles owned by a massage therapist. For personal, rented, and leased vehicles used by your business, look to hired and non-owned auto insurance (HNOA) instead.

A commercial auto policy provides financial protection in the event of an accident involving your business vehicle. It can help pay for property damage, medical costs, and legal expenses.

The cost of commercial auto insurance depends on several factors, including the policy limits you choose, coverage options, the value of the vehicles, additional insureds, and the driving records of anyone permitted to drive.

Learn more about how to find affordable commercial auto insurance coverage.