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.

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

What customers say about us

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.

You can save up to 25% in discounts on massage therapy insurance coverage

You can pay for your insurance monthly or annually and you can cancel instantly 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 therapist insurance cost?

Massage therapist insurance quotes vary based on the risks that your business faces, such as:

The kinds of therapy you provide
Where your spa or studio is located
If you have any employees
The type of vehicles you use for work

Massage therapist insurance requirements

Massage therapists are almost always required to have insurance due to the risk of injury to clients and damage to commercial and personal property. You might need insurance to:

Start providing massage therapy services. Property owners might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about massage therapy insurance

Here are some of the most common questions we get about massage therapist liability insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

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 NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, 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 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

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

More professions that are covered by NEXT

Holistic & Alternative Therapy, Massage Therapist, Spa Owner