Massage Insurance

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

Choose your primary coverage to get started:

Massage therapist insurance can help protect you from:

The medical bills of slip-and-fall injuries

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

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

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.
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

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

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

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)

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

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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...

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Very detailed very professional met all my needs would definitely recommend

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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
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does massage therapy insurance coverage cost?

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.

How can insurance for massage therapists help your business?

How can insurance for massage therapists help your business?

You might need massage therapist insurance coverage to help your business:

  • Stay compliant and meet licensing requirements. Business can be a requirement for professional licensing or to have a table in a commercial space.
  • Cover some accident costs. General liability insurance can help if someone is injured at your studio or a massage session at a client’s home.
  • Protect your equipment and workspace. Commercial property insurance can help cover your studio space and the furniture and massage supplies inside if they’re damaged by fire, theft or a burst water pipe.
  • Hire employees. Most states require workers’ comp insurance for small businesses with employees who perform bodywork or massage services.
  • Drive for business. Business-owned vehicles and personal vehicles you drive for mobile massage work typically need commercial auto insurance.

Massage therapy insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account to file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.

More professions covered by NEXT

Holistic & Alternative Therapy, Massage Therapist, Spa Owner
What we cover
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© 2025 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts and policy start times apply to specific coverages only.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.