Liability Insurance Guide for Massage Therapists

Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy.

You should consider purchasing massage liability coverage when you enroll in massage therapy school and begin to practice on the public, as well as when you begin your career as a massage therapist and begin to practice professionally. Coverage is generally available to massage students at discounted rates under main programs.

You can, of course, forgo any insurance and assume the entire risk. You can do this as long as you can be assured you will not suffer a major loss. However, since risk is impossible to predict, a better option is to pass any risks you feel would be detrimental to you, your massage business, and your family to an insurance carrier.

Research the websites of the various massage insurance providers, and spend time comparing the benefits and costs of each program. Some of these sites provide an online comparison of their program with those of the competition. Speak to their licensed representatives to help you to make an informed choice as to what program best meets your personal needs and professional objectives.