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.

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

ERGO 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.

ERGO 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.

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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

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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

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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

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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

ERGO 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.

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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.

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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.

How does business insurance protect massage therapists?

Our massage therapist insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You spill massage oil on a client’s new cell phone. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A client slips and falls on the tile floor in your entryway. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims your deep tissue massage caused an injury to their shoulder. Professional liability insurance helps you defend yourself if you’re accused of making a mistake, even if it’s not true.

Workplace injuries

You strain your back while setting up your portable massage table. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You scratch another vehicle while pulling into the parking lot of your clinic with your work van. Commercial auto insurance can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A frozen pipe bursts and floods your massage clinic. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO 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 an ERGO 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, 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 ERGO NEXT?

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