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Therapy Insurance

Therapy Insurance

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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

Business insurance has never been easier

Customized business insurance to protect you and your clients
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Instant proof of insurance and easy monthly payments
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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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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 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 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.

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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

How do I get my certificates of insurance?

A few minutes after you buy any type of coverage, you can log into your account from a computer or mobile device to access your certificate of insurance.   We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.

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 support@nextinsurance.com 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?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us:   

  • The name your policy is under so we can find the right one
  • Where the incident happened
  • What the injured person was doing at the time and the type of injury sustained
  • Details and contact information for everyone who was involved 
  A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business.   Check out our claims page for more details.