Massage Insurance

You can save up to 25% on massage therapy insurance.*

Choose your primary coverage to get started:

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Massage therapist insurance can help protect you from:

The medical bills of slip-and-fall injuries

A non-employee trips at your business, breaks their leg and files a lawsuit for you to cover their medical costs.**

Property damage you cause

You must pay to repair or replace a client’s expensive rug after you accidentally spill oil on it and damage it.

The cost of damaged business equipment

Your work space, furniture, laptops or building are damaged from theft, vandalism or fire and need replacing.

Get massage insurance coverage that’s fast, easy and affordable

NEXT specializes in small business insurance. Insurance for massage therapists can help protect you, your company and your employees from the cost of unexpected events.

NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in massage insurance coverage

Massage therapist coverage is usually several types of insurance to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance

Protection for damage to other people's property and injuries to non-employees

If a client slips in your studio or you accidentally damage their property, general liability insurance could help cover related costs. Many commercial landlords for spas and wellness centers require massage therapy insurance coverage before you can rent space or offer services.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal defense and judgments

Advertising injury

Workers’ Compensation insurance

For employee work-related injury and illness

Workers’ comp insurance can help cover medical expenses and lost wages if your employee gets hurt while working. In most states it’s required for massage therapy businesses with employees. You can add optional business owner’s coverage to help protect you if you’re injured on the job.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Commercial Property insurance

For massage professionals who own or rent physical spaces

Commercial property insurance could help protect your business furniture, fixtures and broken windows, inventory and other massage equipment inside your business location if they’re damaged by a covered event such as fire, theft or vandalism. It can also help cover lost business income and some extra expenses if you’re forced to close for repairs.

commercial property can help you pay for:

Damaged equipment and inventory at your business location

Some building repairs

Lost income

Business Owner’s Policy (BOP insurance)

Help for customer injury and property damage costs

BOP insurance combines general liability insurance for licensed massage therapists (LMTs) and business property insurance into a single policy with more coverage that’s often more cost efficient.

business owners policy can help you pay for:

Guest or client injuries (a.k.a bodily injury)

Property damage for property you don’t own

Business income interruption

Legal fees and defense costs

NEXT Insurance reviews

Fast and simple

I’m covered for 20$ a month ! Awesome !

Kaila C.

Great service

Easy online service, saves time and money

Ricky C.

Smooth Process

Easy Website

Donny C.

So happy

So I have been trying to get commercial building coverage for months. My agent has had so much trouble because they all were trying to make me purchase more than just building cove...

Nina M.

Very detailed very professional met

Very detailed very professional met all my needs would definitely recommend

Michelle B.

Fast and simple

I’m covered for 20$ a month ! Awesome !

Kaila C.

Great service

Easy online service, saves time and money

Ricky C.

Smooth Process

Easy Website

Donny C.

So happy

So I have been trying to get commercial building coverage for months. My agent has had so much trouble because they all were trying to make me purchase more than just building cove...

Nina M.

Very detailed very professional met

Very detailed very professional met all my needs would definitely recommend

Michelle B.

Save up to 25% in discounts on massage insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does massage therapy insurance coverage cost?

Premiums for massage insurance policies are more affordable than you think. The exact price you’ll pay for your massage therapist insurance cost depends on a number of factors, including:

The type of therapy and professional services you provide.
The types of clients you have.
Where your spa or studio is located.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.