Insurance for massage therapists.

Professional and general liability for solo therapists, mobile practices, and massage studios. Coverage that goes with you to a client’s home, a room you rent in a spa, or a table at an event.

What massage therapists usually carry

Professional liability
General liability
Products liability for oils and lotions
Licensing board defense
Abuse and molestation coverage
Table and equipment coverage
Workers’ comp, if you have staff

Watch for these in a massage therapy policy

Misconduct allegationsHands-on work draws these claims, true or not. Many policies exclude them or cap defense at a low sublimit, so read that line before you buy.
Where you workSome policies cover a single studio address. If you work in homes, hotels, or at events, confirm the policy follows you there.
Hot stones and cuppingBurns and bruising from hot stones, cupping, and heated tables come up often. Some policies leave out any technique you did not list.
Room rentersA studio policy covers your employees, not therapists who rent a room from you. Ask each renter for a certificate naming your studio.

What spas, gyms, and landlords ask massage therapists for

Additional insuredSpas, gyms, and offices where you rent a room want to be named on your general liability.
Minimum limitsMost hosts ask for $1M per claim and $2M or $3M aggregate.
Your own policyHosts rarely extend their coverage to independent therapists, so they ask to see yours before your first client.
Event certificatesRaces and corporate wellness days want a certificate for the day you set up a table.

Questions massage therapists ask

Straight answers.

The questions we hear most, answered plainly.

Do I need my own insurance if I work at a spa?

If you rent a room or work as a contractor, yes. As an employee, the spa’s policy may cover you; ask to see that in writing.

Does my policy cover massage in a client’s home?

Most massage policies cover you wherever you practice, including homes and events. Your auto policy, not this one, answers for the drive there.

Are the oils and lotions I sell covered?

Products liability answers if a client reacts to something you sold. Many massage policies include it, but check whether it reaches products sold under your own label.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Health and wellness

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Med spas

Medical and aesthetic professional liability, General liability, Products liability

Optometrists

Optometric professional liability, General liability, Exam equipment and optical inventory

Counselors and therapists

Professional liability, Licensing board defense, Entity coverage for group practices

Acupuncturists

Professional liability, General liability, Products liability for herbs

Veterinarians

Veterinary professional liability, Animal bailee coverage, General liability

Gyms and fitness centers

General liability, Professional liability for trainers, Gym equipment and property

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