Bodyworker Insurance
Massage Magazine Insurance Plus insures full-time and part-time bodyworkers with A+ rated professional and general liability insurance that covers you anywhere you practice across the United States.
Get covered today with bodyworker insurance for as low as $16 per month.
Bodyworker Insurance Policy Options
Remember that cost alone should never be the only factor you look at in an important purchasing decision, however, we understand that this ranks highly with just about everyone. We love having a program that is designed to provide a real, tangible benefit for our members with stout protection, great benefits, and affordability all rolled into an accessible package.
Accessibility means creating a program that provides top-notch protection at a rate today’s pros can still afford. There shouldn’t have to be a choice where a professional gets less-than-adequate coverage because cheap bodywork insurance plans are all they can afford. That’s why we tailored our program just for modern bodyworkers so that we provide superior protection at some of the most competitive rates around.
All that being said, we have several different options for bodyworkers to choose the best way to invest in professional liability coverage. There’s a yearly premium that’s $169 upfront or a two-year plan that’s $289. Part-time bodyworkers can get insured for only $149 per year. Students get access to the same top level coverage at a discounted rate of just $40 per year.
1 Year
Professional Rate
Save $10 with this first year introductory rate and take advantage of everything we have to offer.
$179
$
169
/1yr
2 year
professional rate
Save 17% when you get a 2 year policy and worry about renewals half as much.
$338
$
289
/2yr
1 year - part-time
professional rate
Only practice part-time? Save $20 on one year of coverage with our part-time professional rate
$25
$
149
/1yr
Why Choose MMIP For Bodywork Insurance?
Become a Massage Magazine Insurance Plus (MMIP) member today and receive A+ rated bodywork liability insurance that includes perks other companies don’t offer like free NCBTMB-approved online continuing education courses, e-newsletters from MASSAGE Magazine, over $1,800 in member benefit savings and more.
Access to free online CE's
Portable coverage across the USA
Access to health insurance plans
Monthly payment options available
Liability Insurance Limits
1 Additional Insured: $10 | Unlimited Additional Insureds: $30
Some massage insurance policies will offer different limits based on your full-time or part-time status. This would mean that if you are a part-time massage therapist, you may have less coverage than a full-time one.
We don’t believe in offering different coverage limits so all our policies have the same limits. Full-time, part-time, or a student, all members enjoy the same great coverage. Our massage insurance program prices are based on how you will use the coverage and decide to pay.
Professional Liability Insurance: Also known as "malpractice insurance" or "errors and omissions insurance," covers claims related to professional negligence, including instances like burns from hot stones or injuries during a deep tissue massage.
General Liability Insurance: Provides protection from claims that may not directly stem from your professional services. For example, if a client simply tripped and fell on your property, this coverage would protect you from the financial fallout of the lawsuit.
Provides protection against claims related to injuries or damages caused by a product used in your treatment, such as if a client had an allergic reaction from the oil, lotion or other similar product.
This coverage can help protect you if you’re accused of libel, slander, or false advertising.
A type of insurance that provides protection for those who rent or lease a workspace. This type of coverage offers protection against any damage that occurs to the rented or leased premises as a result of the therapist's business activities or actions of their clients.
Provides protection against identity theft and threat incidents that would put personal information at risk. Typically includes credit monitoring, dark web scans, and recovery services if your information is jeopardized.
This provides protection for vital equipment that is stolen or damaged due to theft. If your massage table is stolen, or was damaged while someone attempted theft, stolen equipment coverage will provide coverage for the cost of the replacing or repairing the item.
Why Do You Need Beauty and Bodywork Insurance?
Beauty and Bodywork insurance protects you, the professional, from having to pay out of your own pocket to cover the costs of a claim. Risks take many forms and could be something as simple as a slip and fall accident, a former client saying your session injured them, someone having an allergic reaction during their visit, or any one of a thousand different scenarios.
After years as leaders in massage and bodywork insurance, our team has specifically tailored our plan to be all-inclusive. This means no more worrying about the “what if’s” happening at some point and instead focusing all of your energy on providing a great session for your clients.
Getting a Great Value Out of Your Bodyworker Insurance Plan
Bodyworker insurance is your safety net but it also needs to be a value provider, we’ll show you what that means. Bodywork insurance should always cover all the main types of liabilities bodywork professionals face in general, professional, and product liability, and it also needs to provide additional protection against the real risks inherent to the industry today.
Additional protections like:
Stolen/damaged equipment coverage - you invest in quality tools and equipment that help you provide a great experience for clients. When this equipment is broken or stolen this coverage helps you pay for getting replacements.
Rental damage coverage - renting space is common for bodywork professionals and somewhere in the lease is usually a stipulation that says the renter is responsible for damages. If an accident causes damages inside a space you are renting, you will have up to $150,000 to help cover repair costs.
Identity protection plan - in the cyber age, your online data has never been more vulnerable to malicious action. That’s why we include up to $25,000 in identity restoration services to help our members get back up and running if their identity is ever compromised.
Not stopping there, getting real value for your bodyworker insurance takes getting additional member benefits. That’s where Massage Magazine Insurance Plus leads the pack. We provide a member benefits package that’s worth thousands of dollars all by itself. Get 55+ hours of free NCBTMB approved online continuing education courses, access to additional health insurance plans, and tons of industry discounts and deals from leading product and service providers.
3 Types Of Liability Insurance Every Bodyworker Needs
Getting into the liability portion of bodyworker insurance in a little more detail, we’ll look at what each of the “big 3” liability protections provide and what to look for when comparing your options.
General Liability: general liability coverage provides protection against injuries or property damage that happen to a third party in, or around, your bodywork practice. General liability is one you’ve probably heard called “slip and fall” since this accident unfortunately is common. All it can take is a slip at your front door on a loose mat and a client can sustain serious injuries. If they decide to sue to get you to cover their costs, you’ll also have to pay for legal defense. That’s why all of our policies cover both the costs of the claim and any legal defense fees that are necessary to protect you.
Professional Liability: professional liability insurance for bodyworkers centers around protecting them from accidents, injuries, and property damage that happen as a result of the services they provided someone. In bodywork, seeking realignment of body and mind could push a client too far and they tear a muscle, another could simply roll off the table and get hurt—accidents, unfortunately, abound which is why professional liability (aka malpractice or errors and omissions) insurance is so vital.
Product Liability: products of many kinds are introduced during a bodywork session including massage oils, aromatherapy, mats, towels, not to mention all of the cleaning products used to maintain these. Any one of a thousand possibilities could leave someone with a potentially life-threatening allergic reaction which the client then holds you liable for paying. Because these accidents can cost a lot, product liability coverage is really important for all bodyworkers.
Having great coverage for the top three types of liability present for bodyworkers is how you turn a good plan into a great one. When that plan also includes additional protections, stellar member benefits, and is offered at great rates, you have one of the top bodywork insurance plans available today.
Getting Insurance in Minutes with No Quoting Process
For those that are shopping around for beauty and bodywork insurance—congratulations! You are being smart about a big decision. But one of the most annoying things hands down with a lot of insurance companies is when you have to start filling out a long application with tons of really personal data just to get a price. We don’t do things that way because we wouldn’t want to do it that way ourselves.
Right on our site, you can see exactly what you’ll pay and all the coverage and benefits you’ll get without ever having to give us any information whatsoever. Use this information however you like but we do truly hope it leads you to secure great coverage at a great price from a truly great group of people!
MMIP | AMTA | ABMP | Hands on Trade | Insure Bodywork | ||||||
| Occurrence-Form Coverage | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✘ | No |
Professional Liability Insurance (Malpractice) | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✘ | $2 Million Per Occurrence $6 Million Individual Annual Aggregate ($10 Million Shared Limit) | ✓ | $2 Million Per Occurrence $6 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate |
General Liability Insurance (Trip & Fall) | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✘ | $2 Million Per Occurrence $6 Million Individual Annual Aggregate ($10 Million Shared Limit) | ✓ | $2 Million Per Occurrence $6 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate |
Products Individual Annual Aggregate | ✓ | $2 Million | ✘ | $6 Million ($10 Million Shared Limit) | ✓ | $6 Million | ✓ | $2 Million | ✓ | $3 Million per year |
CE Hours Included | ✓ | Yes | ✘ | No | ✓ | Yes | ✘ | No | ✘ | No |
Hour Qualification | ✓ | No Hours Required for Insurance | ✘ | 500 hours | ✘ | 500 Hours—Prof. or Certified 100 Hours—Practitioner level | ✘ | No | ✘ | No |
Required CE hours | ✓ | No Hours Required for Insurance | ✘ | 48/4 Years | ✘ | 16/2 Years Certified Level | ✘ | No | ✘ | No |
Rental Damage Coverage | ✓ | $150,000 | ✘ | 100,000 (Fire/Water Legal Liability) General Liability Limits May Apply | ✘ | $100,000 (Fire/Water Legal Liability) General Liability Limits May Apply | ✘ | No | ✘ | $300,000 |
| Stolen Equipment | ✓ | $2,000 *$250 deductible | ✘ | Optional—Add $100 | ✘ | Optional—Add $95 | ✘ | No | ✘ | No |
| Identity Protection Plan | ✓ | Yes | ✘ | Optional—10% Discount on Lifelock | ✘ | No | ✘ | No | ✘ | No |
Annual Fee | $169/yr Professional $40 first-year Student | $235/yr Professional $89 first-year Graduate Rate | $199/yr Professional $229/yr Certified | $154/yr Professional $75/yr Student | $96/yr Professional $67/yr Student | |||||
| Get Covered | NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources, such as www.massage-exam.com. No guarantee or assurance is made by MMIP as to the accuracy or completeness of this information. | |||||||||
| MMIP | AMTA | ABMP | Hands on Trade | Insure Bodywork | |
| Occurence-Form Coverage | ✓ | ✓ | ✓ | ✓ | ✘ |
| Professional Liability Insurance (Malpractice) | ✓ | ✓* | ✓ | ✓ | ✓ |
| General Liability Insurance (Trip & Fall) | ✓ | ✓* | ✓ | ✓ | ✓ |
| Products Individual Annual Aggregate | ✓ | ✓* | ✓ | ✓ | ✓ |
| CE hours Included | ✓ | ✘ | ✓ | ✘ | ✘ |
| Hour Qualification | ✓ | ✘ | ✘ | ✘ | ✘ |
| Required CE hours | ✓ | ✘ | ✘ | ✘ | ✘ |
| Rental Damage Coverage | ✓ | ✓* | ✓* | ✘ | ✘ |
| Stolen Equipment | ✓ | ✘ | ✘ | ✘ | ✘ |
| Identity Protection Plan | ✓ | ✘ | ✘ | ✘ | ✘ |
| Annual Fee | $169 | $235 | $199/$229 | $154 | $96 |
| Get Insured | |||||
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources, such as www.massage-exam.com. No guarantee or assurance is made by MMIP as to the accuracy or completeness of this information.
* AMTA has a shared aggregate policy.
What Is Bodyworker Insurance?
Bodyworker insurance is a tool that can help a professional bodyworker manage the many types of risks that exist in health and wellness. We all face risks of many kinds each day which could suddenly create a huge financial burden very few are prepared to cover out-of-pocket. That’s where the idea of insurance comes in.
For a monthly or annual premium, a bodyworker insurance policyholder has purchased a contract of protection. The contract (i.e. the policy) spells out exactly what’s covered, for how long, and additional details that define the coverage. When an accident under a covered area causes a form of loss, the policyholder gets to go to their insurance company and file a claim. This prevents the policyholder from having to cover all the costs themselves and instead gets to defer back to their carrier.
The generalities with insurance pretty much stop there because not all bodyworker insurance is created equal. If you’re comparing your massage therapy insurance options, you’ll notice big differences in cost, how long the activation process takes, what services are covered, and more. With MMIP, we pride our program on providing a high caliber of protection with tons of extra benefits, all for an affordable rate.
Bodyworker Insurance FAQs
There are several options for bodyworker insurance from Massage Magazine Insurance Plus that will affect the cost of your coverage. You have the option for a single year of coverage that has an annual premium of $169 or two years of coverage that comes at a $289 premium. MMIP also offers the same excellent coverage for students for an annual premium of just $40.
You have the option to pay in full or pay monthly installments on your premium, giving you the flexibility of choosing your payment method. If you choose to pay monthly, over 12 months, your cost will be as low as $16 a month for a single year of coverage.
As you grow your bodyworker practice, it is natural that you have acquired equipment that is used to enhance your clients’ wellness and comfort. When you get insurance for bodyworkers from MMIP, we will provide coverage that will help cover the cost of replacing stolen or damaged equipment.
Though providing loss or damage coverage for fitness equipment is not always an included option from other insurance providers, we understand that protecting your investment is a high priority. We offer up to $2,000 coverage for stolen or damaged equipment with a low $250 deductible.
Renting a facility for a body-working professional is common and typically means the renter is responsible for any damages that may occur. Unfortunately, accidents can happen that lead to the facility becoming damaged in some way. With bodyworker insurance from MMIP, you receive coverage that will help cover the cost of rental damages. With up to $150,000 of coverage for rental damages, you can feel confident that you have a safety net of protection.
One of the perks of choosing your bodyworker insurance from MMIP is that your policy includes extra protection like rental damage coverage. Rental damage coverage gives you peace of mind knowing that you will have help covering repair costs.
As a hard worker in the world of wellness, your time is valuable and it is important that you can gain coverage quickly and conveniently. Through our fully online process, getting the coverage you need is not only simple but remarkably convenient. Whether you are rushing to meet your next client or are hard at work studying for your LMT exam, you should not have to spend all day searching for quality coverage at an affordable price.
It only takes a few minutes to get coverage from MMIP. By following the fully-online process, you can gain bodyworker insurance in about 5 minutes. With instant proof of coverage, your bodyworker insurance is effective immediately without a quoting process. Though it will only take a few minutes, the peace of mind that you gain from bodyworker insurance will last much longer.
Though the bodyworker insurance from MMIP encompasses both professional and general liability insurance, there is a distinct difference between the two coverages. A good way to think about it is that professional liability insurance is for profession-specific instances involving carelessness or malpractice. Professional liability insurance would be to cover a lawsuit in the event of an injury or harm caused by you directly or by your error.
General liability insurance is often referred to as “slip and fall” insurance because it is a common incident that takes place. General liability insurance would be necessary for injuries that occur due to a loose rug, wet floor, or some other hazard. General liability insurance offers protection from the cost of a lawsuit that is brought against you for an accidental injury due to negligence.
As the third part of the trifecta liability coverage offered by MMIP, product liability insurance is a major part of the coverage you receive with our insurance for bodyworker professionals. Because there is such a wide range of common products used during a bodywork session, product liability insurance helps cover you in case there is an issue such as an allergic reaction.
Protecting yourself with product liability insurance from MMIP comes with an annual aggregate of $2 million to help keep you well protected. Because there is a multitude of product-related incidences that can occur, it is a key component of bodyworker insurance. The insurance coverage for bodyworkers from MMIP grants you protection from the cost of a lawsuit due to product liability.
Though it is common to have a minimum requirement of CE hours for insurance providers to supply bodyworker insurance for you, MMIP does not require this. Your state may require you to have a certain number of CE hours to continue practicing, but we do not require it for bodyworker insurance coverage.
Because we offer bodyworker insurance for students and offer instant proof of insurance, nothing should stand in your way of getting the insurance protection you need. Get covered today and place your bodyworker insurance needs in our hands.
These days, insurance is not just about the coverage, but about what you get as added benefits to your insurance. MMIP offers some incredible additional benefits that are designed specifically for bodyworker professionals. These benefits include:
- Access to free CE courses
- Portable coverage to take with you all over the United States
- Deep discounts on incredible industry leaders for equipment, oils, and other items that you use every day
- Access to affordable health insurance plans
- Fast and instant coverage
