Tennessee Massage Insurance
Protect Your Career this October 2025 with the #1 rated Tennessee Massage Liability Insurance for just $169/Year
Tennessee Massage Liability Insurance Guidelines
Tennessee doesn't require massage therapists to have liability insurance, but it's highly recommended due to potential risks. Professional liability insurance protects against claims and lawsuits. Massage Magazine Insurance Plus offers comprehensive coverage with $2 million per occurrence and $3 million total aggregate coverage.
For more detailed information, check out our Tennessee State Requirements for Massage Therapists page.
How Much Does Massage Liability Insurance Cost In Tennessee?
Massage Magazine Insurance Plus has three policy options that range from $159 to $299, depending on which policy option you choose: part-time, full-time, or two-year. Other insurance providers change their coverage limits based on a massage therapist's full-time or part-time status, but we take a different approach. Regardless of which policy option you choose, you'll receive the same coverage limits and exclusive membership benefits.
Insurance Policies
$169 - 1 Year
Our most popular policy option: built for the full-time massage therapist.
$159 - Part-Time
This policy is designed for professionals who work with clients less than 10 hours per week.
$299 - 2 Year
Save the most money with our 2-year policy that breaks down to only $145 per year.
Trusted by Leading Companies
Rest assured you and your career are protected with Massage Magazine Insurance Plus. We're A-Rated (Superior) and backed by Arthur J. Gallagher.
BBB A+ Accreditation
Massage Magazine Insurance Plus takes great pride in achieving an A+ accreditation from the Better Business Bureau. Trust is at the heart of our values, and we remain unwavering in our commitment to prioritizing our customer communities Since 2009.
Who Is Massage Magazine Insurance Plus?
With a rich history of 38 years in the industry, MASSAGE Magazine created Massage Magazine Insurance Plus as a comprehensive national liability insurance policy for professionals in the fields of health, wellness, and beauty.
Now supported by Arthur J. Gallagher & Co., our members can benefit from enhanced insurance coverage that is both reliable and backed by esteemed partners. Despite these advancements, our dedicated team at MASSAGE Magazine, serving the massage and bodywork industry since 1985, continues to operate the program.
500+ Modalities Covered—No Extra Cost
Are you a dual-practitioner? One policy covers you in over 500 modalities, see all here.
Coverage That Follows You
Our policy automatically follows you nationwide, and even online.
Free Continuing Education Courses
Access 50 hours of FREE NCBTMB-approved CEs as well as discounts to other leading CE providers.
Insurance Marketplace
With the Insurance Marketplace, you will receive concierge access to health, dental, and vision coverage plans.
Three Tennessee Massage Insurance Coverage to Choose From
1 year full-time Professional Rate
$
169
/1yr
2 year full-time
professional rate
$
299
/2yr
1 year part-time
professional rate
$
159
/1yr
See What MMIP Insurance Members Are Saying
I have used Massage Magazine Insurance Plus for years! Excellent, friendly service and easy renewal process, in addition to affordable rates. In my experience, customer service has always been able to easily resolve any questions or issues with a single phone call. Highly recommend!
Anna S.
I've been very happy with Insurance Plus for my liability insurance needs for nearly a decade. Reasonable pricing, easy process for starting and renewing this coverage, and accessible documents. As a Reiki Master who offers other modalities, I have been pleased with Massage Magazine Insurance Plus and feel grateful.
Erika S.
Although I have never had to make a claim, I have been insured by Insurance Plus since around 1998. I find it meets my commercial needs, extremely affordable compared to other standard insurers available with coverage that gives me a sense of confidence that I am protected. I will continue to be a faithful client.
Helen W.
When the Unexpected Happens, MMIP Has You Covered
See how Tennessee's most trusted massage therapy insurance protects practitioners across the Volunteer State with comprehensive liability coverage designed for real-world scenarios.
The Deep Tissue Dilemma
You're working with a client's chronic shoulder tension at your busy Nashville studio. During a deep tissue sessionAdvanced massage technique requiring specialized training, you apply firm pressure to release stubborn adhesions. Three days later, the client calls claiming nerve damage and numbness. They're demanding compensation for medical bills and threatening a professional negligence lawsuitLegal action claiming inadequate professional care.
Your MMIP professional liability coverage immediately activates, providing you with the means for legal defense and covering potential settlements up to $2 million per occurrence. This protects your practice, reputation, and financial future while you continue serving clients.
The Rainy Day Slip
A sudden downpour leaves puddles at the entrance of your Memphis practice. Despite putting out a mat, a client rushing in while checking their phone slips and falls, fracturing their wrist. They’re now facing surgery, physical therapy, and months away from their graphic design workWork requiring fine motor skills affected by wrist injury.
Your general liability protection covers third-party injuries occurring on your premises. MMIP handles medical expenses, legal fees, and potential settlements, ensuring one accident doesn't jeopardize your business or personal assets.
The Social Media Misstep
Excited about your new hot stone therapy serviceTherapeutic massage using heated stones, you share a glowing client testimonial on Instagram, including their photo and full name. You forgot to obtain written consent for marketing use. The client discovers the post and feels their privacy was violated. Their attorney sends a demand letter claiming invasion of privacy and unauthorized commercial useLegal violations of personal rights of their likeness.
Your personal and advertising injury coverage protects against claims of privacy invasion, libel, and unauthorized use of likeness. MMIP provides financial protection with coverage for settlements and judgments, allowing you to focus on your practice.
The Hot Stone Burn Incident
You're providing a relaxing hot stone massage to a regular client at your Chattanooga practice. Despite following proper protocols, one of the heated stones causes a second-degree burnSerious skin injury requiring medical treatment on the client's back. The client requires immediate medical attention, skin grafts, and will have permanent scarring. They're now pursuing a professional negligence claimLegal action claiming inadequate professional care standards for $150,000 in damages.
Your MMIP professional liability insurance covers claims arising from your massage services, including injuries from hot stone therapy. The policy provides you with the means for legal defense and covers settlements or judgments up to $2 million, protecting your practice and personal assets from this costly professional liability claim.
Protect Your Tennessee Practice Today
Join thousands of Tennessee massage therapists who trust MMIP for comprehensive, affordable protection. From Nashville to Memphis, Knoxville to Chattanooga—we’ve got you covered.
