Massage Therapy Liability Insurance You Can Trust
Protect Your Career with Affordable, All-Inclusive Coverage Designed for Massage Therapists.
Massage therapy liability insurance is necessary for protecting massage therapists from legal claims related to their professional work. Our massage liability insurance coverage helps pay for legal defense, settlements, or judgments, so your practice stays protected. Our massage therapy insurance plans include professional & general liability insurance to fit your needs.
Our massage therapy insurance provides immediate protection, allowing you to serve your clients confidently.
With us, you're more than insured—you’re supported. Focus on providing care in over 500+ modalities, knowing your business is secure. Join a community where your practice thrives—protected, connected, and respected.
How Much is Massage Therapist Insurance?
We provide affordable massage therapy insurance plans that cater to both full-time and part-time massage therapists.
Get immediate massage liability insurance coverage today!
1 Year
Professional Rate
Our most popular policy option, built for the full-time professional.
$169
2 year
professional rate
Save $39 when you purchase a 2-year massage therapist insurance policy and worry about renewals half as much.
$338
$299
1 year - part-time
professional rate
Only practice massage therapy part-time? Save $10 on one year of coverage with our part-time professional rate.
$169
$159
Why Choose Our Massage Therapy Insurance
We offer honest, dependable, and affordable professional liability insurance for massage therapists and bodyworkers for $169 per year for full-time pros and $159 for part-time professionals. Part-time professionals includes those who work hands-on with their clients fewer than 10 hours per week. Our professional liability insurance for massage therapists offers extensive coverage and peace of mind.
We were fed up with insurance companies offering complicated policies that didn’t have their members in mind, so we decided to create a one that did. That's why our policy automatically covers over 500+ techniques and modalities, including everything from deep tissue massage to hot stone, follows massage therapy professionals across all 50 states, includes over $1,800 in member benefit savings and access to over 55 hours of free online continuing education courses.
New to massage therapy insurance? Visit our resource center for a beginners guide to insurance.
Let's Compare Massage Liability Insurance Options
Lowest Price Massage Therapy Liability Insurance
When choosing massage therapist insurance, price is often a key factor, but higher cost doesn’t always mean better coverage, and the cheapest plans may lack essential protection. With ABMP and AMTA, membership fees are required before applying for insurance, adding annual renewal costs, while MMIP offers full benefits without hidden fees, making renewal quick and hassle-free.
BBI advertises a $96 rate but adds fees for cupping, yoga, dance, and ID Theft Protection, bringing the total to $243—the highest in the market. InsureLMT offers the lowest rate at $94 per year, but it excludes member benefits entirely.
Massage Insurance Based On Price
MMIP | $169 |
ABMP | $199/$229 |
AMTA | $235 |
Beauty and Bodywork | Markets $96, is actually over $240 |
Hands on Trade | $175 |
Save 30% or more with MMIP
Massage Insurance Coverage limits by company
MMIP | $2 Million (Per Occurrence)/$3 Million (Annual Aggregate) |
ABMP | $2 Million (Per Occurrence)/$3 Million (Annual Aggregate) |
AMTA | $2 Million/$6 Million ($10 Million Annual Aggregate) |
Beauty and Bodywork | $2 Million (Per Occurrence)/$3 Million (Annual Aggregate) |
Hands on Trade | $2 Million (Per Occurrence) |
*For customers in the state of Indiana and Minnesota professional liability limits are increased to $2 million per occurrence and $6 million annual aggregate for massage therapy services only; General liability limits are increased to $2 million per occurrence and $6 million annual aggregate for massage therapy services only.
Not all Professional (Malpractice) and General (Trip & Fall) Liability Insurance limits are equal. Most providers, except Beauty and Bodywork, offer the preferred Occurrence Form coverage, which protects against claims for incidents during the policy period, even after it expires.
Hands-on Trade insurance provides only a $2 million per occurrence limit with no aggregate, limiting total coverage. AMTA offers $2 Million/$6 Million limits but has a Shared Annual Aggregate of $10 Million, meaning claims from all policyholders in a year count toward that cap, which could leave you uncovered if the limit is exceeded.
Have Your Massage Insurance Coverage Limits Reserved For You
Free Continuing Education
MMIP and ABMP include free continuing education as a benefit to their insured in addition to liability insurance. Both are NCBTMB-approved. AMTA doesn’t provide it directly but gives a discount up to 40% on continuing education for its members. Beauty and Bodywork Insurance and Hands-on Trade did not have any continuing education benefits listed.
Many state boards require continuing education for licensure, so not having to pay extra for continuing education is a great benefit to capitalize on.
Continuing education benefits
MMIP | Free Continuing Education - NCBTMB-approved |
ABMP | Free Continuing Education - NCBTMB-approved |
AMTA | Discount on Continuing Education |
Beauty and Bodywork | No CE Benefits Offered |
Hands on Trade | No CE Benefits Offered |
Stop Paying For Online CEs
Part-Time Policy Option
We are the only insurance provider who offers a part-time policy option to massage therapists. This policy option is only $159 per year and is available to professionals who work on average less than 10 hands-on hours per week. This policy includes the same great benefits and coverage as our full-time rate and is discounted $10 from our standard full-time professional service rate.
There is no other insurance company in the market that offers this option to part-time professionals.
Policy options
MMIP | $159 Part-Time Policy |
ABMP | No Part-Time Policy Available |
AMTA | No Part-Time Policy Available |
Beauty and Bodywork | No Part-Time Policy Available |
Hands on Trade | No Part-Time Policy Available |
Work Less Hours? Pay Lower Rates.
Our Massage Therapist 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 affordable 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.
This coverage can help protect you if you’re accused of libel, slander, or false advertising.
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.
MASSAGE
State License Requirements
We want to make finding the information you need easy. That's why we've put together this easy guide to the requirements of all 50 states.
Massage Therapist Liability Insurance Coverage
In All 50 States
What Our Massage Therapist Liability Insurance Reviews Say
Although I primary teach yoga, I'm so glad to have found Massage Magazine Insurance Plus over 10 years ago now. They were recommended by my yoga school because the policy covers both yoga and massage therapy.
Sonya Jordan
Yoga Teacher
I like that I’m paying for a good quality policy knowing that I’m covered for the unexpected. I also really appreciate the affordability of my insurance coverage and how easy my massage insurance is to renew.
Norma Harvey
Massage Therapist
As a professional teacher, I feel comfortable and reassured that if someone needed special attention, that I am covered. I appreciate how affordable this policy is and how much it covers. That's why I've been insured with MMIP for over 10 year now.
Douglas Goodbee
Professional Instructor
MMIP has always been great with their customer service by answering questions in a professional and timely manner. Anytime I have to add an additional insured, MMIP has made it extremely quick and easy transaction. I am very grateful for the service I have received the past 12 years.
Justina Hopkins
Myoskeletal Specialist
Most Common Massage Liability Claims
Mistakes happen, even to the most experienced massage therapist. That's where we come in.
Here are real examples of claims* where we've provided exposure protection for professionals just like you:
Back Injury - $112,194 covered
A client sustained nerve damage from massage techniques.
Covered by professional liability insurance
Allergic Reactions - $16,446 covered
A client experienced allergic reactions arising from the use of massage oils or lotions during a session.
Covered by professional liability insurance
Blisters from Cupping - $32,446 covered
A client experienced severe blistering from cupping.
Covered by professional liability insurance
Massage Table Accident - $175,100
A client hit their head when a massage table fell, causing them to hit their head.
Covered by general liability insurance
*Please note claim scenarios are for illustrative purposes only. Actual coverage is always determined by the carrier and based upon the policy language.
Massage Therapist Insurance At
The Lowest Cost
Our massage therapist liability insurance stands out by offering complete professional coverage and valuable freebies for your practice. MMIP provides the most affordable and beneficial liability and malpractice insurance, including identity protection at no extra cost.
With MMIP, you get peace of mind knowing you’re fully covered at the lowest cost. As a massage professional serving others, you deserve reliable insurance to protect you in the event of an unexpected lawsuit—because even the best therapists may face legal challenges.
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What is Massage Therapy Insurance?
You can think of massage liability insurance as a safety net for your money and career. Though you may never face a lawsuit over your career, it could be life-changing if you do. While you certainly could go without a safety net, this could put you in a financially vulnerable situation if something goes wrong. Without coverage, you could be solely responsible for paying the costs of a claim against you.
Insurance for massage therapists protects you from the liability, or risk, of having to cover claim expenses yourself. With MMIP, our insurance covers the two biggest forms of liability (professional & general), and also a slew of other professional risks. Our members can rest assured they are covered from all sides.
Massage Therapy Insurance Glossary of Terms
Liabilities are the reason you need insurance. These things could go wrong and cause harm to another person. As a massage therapist, a liability typically involves a risk to your clients in some way. You can think of a liability as something for which you could be sued. There are different types of liabilities that require specific coverage. (We’ll cover more on that later).
A professional liability is a risk that comes from your specific occupation. This type of liability is commonly known as “malpractice” or “errors and omissions” liability. As a professional massage therapist, you have a duty of care to your clients. When you make a mistake or forget to do something that results in your client’s harm, that is a professional liability. A professional liability implies that there is an active party at fault, either through commission or omission.
General liability is not specifically related to your profession and can happen in any industry. These are risks that may cause harm or physical distress through lack of care, poor environments, or non-specific hazards to your clients. General liability is often called “slip and fall” liability, as these are common incidents.
An aggregate is the coverage amount that a massage liability insurance policy offers. This figure is the maximum amount that an insurance policy will cover for its policyholders. Typically, the aggregate is in yearly increments, so the policyholder can know how much coverage they will have annually.
This is the coverage limit for each incident. Should you have multiple incidents in a year, each occurrence will have a set limit for how much the insurance company will cover.
This one is a little tricky. Occurrence form coverage means that your policy provides liability coverage for incidents that occur during the policy term. Even if a client files a claim after the policy is no longer active, you would still be eligible for coverage if the incident occurred within the policy term. Occurrence form coverage is the opposite of claims-made insurance, which only covers you if the incident occurs AND the claim is filed during the insurance policy term.
What Is Massage Therapist Insurance?
What Insurance Do Massage Therapists Need?
Massage therapists need to have professional and general liability insurance at a minimum. This type of coverage is commonly known as 'massage insurance' in the industry and helps to pay for costs like legal fees and medical bills that could bankrupt you and your business if a lawsuit were to arise.
16 states mandate that massage therapists maintain both professional and general liability insurance for practicing. However, even in states where it's not a legal requirement, obtaining this insurance is important and should never be considered unnecessary or optional.
Benefits of Our Insurance Plans For Massage Professionals
With any purchase, we expect to receive clear benefits. Massage insurance is no different, but the advantages can vary greatly between providers. To help, we’ve broken down the key benefits of massage therapy insurance coverage into three categories:
Liability Protection
The most critical aspect of any massage liability insurance plan is protection from liability. Accidents happen unexpectedly—a client tripping on an area rug, for example, could lead to a multi-million-dollar lawsuit against your massage practice. Having general and professional liability protection with strong policy limits ensures you’re covered when legally obligated to pay damages.
Additional Risk Mitigation
Comprehensive insurance goes beyond major liabilities to address everyday risks. MMIP’s massage therapy insurance coverage includes medical expenses, lost wages, and identity theft recovery. It also covers specific services, like hot stone massage, which carry unique risks. This ensures you’re fully protected, even when legally obligated to handle unforeseen claims.
Member Benefits
The most appreciated part of a plan is its member benefits, which maximize your investment. Not every policy offers substantial perks, and some make it hard to understand what’s included. MMIP clearly outlines benefits, offering members a plan valued at over $1,800, including a free professional services website, continuing education, and specialized coverage for hot stone massage.
Choosing the Best Insurance Plan
Choosing the right plan means balancing coverage, benefits, and pricing to find the best fit. That’s why we’ve created this guide to help you evaluate the top programs and choose the best one for your massage practice.
Who Is Massage Magazine Insurance Plus?
MASSAGE Magazine developed Massage Magazine Insurance Plus to provide a comprehensive liability insurance policy that covers dual practitioners in the health and wellness industry across all 50 states.
Now backed by Arthur J. Gallagher & Co., we are able to provide our members with all-inclusive insurance coverage that's more dependable than ever but is still operated by the same team who has been serving the massage and bodywork industry since 1985.
Ready to Protect Your Career?
Ready to insure your massage therapist insurance? Get massage insurance today and see why we are the preferred choice for many professionals.
Don't wait—protect your career with the best liability insurance for massage therapists.
Top Massage Therapy Insurance Company Comparison Chart
| AMTA | ABMP | Massage Magazine Insurance Plus | Hands on Trade | Beauty and Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Identity Protection Coverage Included? | |||||
| Health, Dental & Vision Coverage Access Included? | |||||
| Free Continuing Education Included? | |||||
| Student Insurance Options? | |||||
| Is Instant Coverage an Option? | |||||
| Unlimited Additional Insureds? | |||||
| Covers Massage, Yoga, Esthetics and Cosmetology? | |||||
| Includes Member Benefit Discounts? | |||||
| Monthly Payment Options? | |||||
| Personal Injury & Advertising Coverage Included? | |||||
| Price | $235/yr | $199/yr | $169/yr | $175/yr | $96/yr |
*For customers in the state of Indiana and Minnesota professional liability limits are increased to $2 million per occurrence and $6 million annual aggregate for massage therapy services only; General liability limits are increased to $2 million per occurrence and $6 million annual aggregate for massage therapy services only.
