Mon – Fri | 6 a.m. – 5 p.m. PT

Therapy Insurance

Save up to 30% with instant coverage
Therapy Insurance

We specialize in insurance for spa and therapy businesses

Next Insurance is a one-stop shop for therapy business insurance. We’ve put in the work to make it easy for you to quickly get the coverage you need at an affordable price. You’ll save a healthy 10% when you bundle two or more of our policies. 

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Customized insurance for therapy businesses

Choose your profession for more information or get a customized quote for your business

Massage Therapist, Spa, Other,

Business insurance has never been easier

Customized business insurance to protect you and your clients
Get covered in 10 minutes and save up to 30%
Instant proof of insurance and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
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Certificate of Insurance

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How much does insurance cost

How much does therapy business insurance cost?

You can save up to 30% when you buy therapy insurance with Next. The exact amount you pay will depend on:

  • The types of spa and therapy services you offer
  • The kind of spa or clinic you work in
  • If you have any employees and the kinds of work they do
  • The number and types of vehicles you drive for work
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Take a few minutes to get an instant quote and see how much business insurance will cost.

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Dedicated small business insurance

Why do therapists need business insurance?

Business insurance offers you protection from a wide range of accidents and business risks, from a client suffering a reaction to a chemical in your spa to being accused of damaging property. 

Having the right types of insurance for your therapy business means that you don’t have to pay entirely out of pocket after an accident or to defend your business.

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Liability insurance for therapy businesses

Therapy liability insurance can help cover costs if someone accuses you of giving a painful treatment that prevents them from working or if you accidentally damage a client’s property.

We combine two types of liability insurance in our business insurance packages:

Professional liability provides financial protection if your client claims your services weren’t effective or you were negligent. Accurate or not, you could have to pay to defend your business if they take legal action. Professional liability coverage will help cover expenses to defend your business. 

General liability is the insurance that many business owners buy to cover some of the most common accidents when you work with clients — property damage and injuries to non-employees.

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Other important business insurance coverage for therapists

Liability insurance is a must-have for covering your bases but you may want to add other types of business insurance to protect your employees and your work vehicles.

We typically recommend: 

Workers' Compensation Insurance
Workers’ Compensation for therapists

Workers’ compensation protects your part-time assistants or full-time employees by helping to cover their lost wages while they recover from throwing out their back while moving a massage table. If you don’t have employees, workers’ comp provides an extra layer of protection for you as a business owner.

This coverage is required for businesses with employees in every state except Texas.

Learn more about workers’ comp.

Commercial Auto Insurance
Commercial Auto insurance for therapy businesses

Commercial auto insurance is legally required in most states if you own a car or truck that’s titled to your business. If you drive your own vehicle to provide your services at different locations, it probably won’t be covered under your personal car insurance. 

Learn more about commercial auto.

Frequently asked questions about therapy insurance

What do I need to get an insurance quote online for my therapy business?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for therapy insurance, we’ll ask you a few basic questions about your business, including:   

  • The kind of therapy services you do
  • The locations where you plan to work
  • The type of vehicles you use for work
  • The number of people you employ and how much you pay them

Can I add an additional insured to my therapist insurance?

Yes. We know this is a common need for therapy to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free. If your client needs special language on the certificate or other forms (called endorsements), please send a sample certificate to and an agent will be happy to review those requirements with you. Learn more about additional insureds.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

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