Colorado Massage Insurance
Protect your massage practice in Colorado with MMIP's professional liability insurance for just $169/Year. From Denver to the Rocky Mountains, Colorado massage therapists in the Centennial State trust our A-rated coverage for comprehensive protection across all 500+ modalities with instant proof of insurance. Get the reliable coverage you need to practice with confidence at any altitude. Protect Your Career this November, 2025 with the #1 rated Colorado Massage Liability Insurance for just $169/Year
Affordable Massage Insurance Plans for Colorado Therapists
1 year full-time Professional Rate
$
169
/1yr
2 year full-time
professional rate
$
299
/2yr
1 year part-time
professional rate
$
159
/1yr
General and Professional Liability Limits
Additional Costs for Massage Therapists in Colorado
Some additional costs for massage therapists in Colorado include education, exams, and licensing fees:
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.
Massage Therapy Liability Insurance Policy Benefits & Highlights
Free CEs
We've teamed up with a premier massage therapy continuing education provider, Niel Asher Education, to offer our members access to 50 hours of FREE NCBTMB-approved online massage continuing education.
Becoming a massage therapist in Colorado opens doors to a world of opportunities in a state known for its natural healing environments. Imagine practicing amidst the serene backdrop of the Rocky Mountains, where the demand for wellness services is high.
Colorado's diverse population values holistic health, offering a broad client base. You'll enjoy flexible work hours in this profession, perfect for balancing life in Colorado's active outdoor culture. Additionally, Colorado's supportive professional community encourages continuous learning and growth.
Before this ideal becomes a reality, there are a few things to know beforehand. MMIP is here to help guide you through the state-specific requirements in Colorado.
To become a massage therapist in Colorado, individuals must fulfill specific educational, training, and licensing requirements. This includes completing a program certified by relevant Colorado authorities or nationally accredited, with a minimum of 650 hours in massage therapy education covering both theoretical and practical aspects. For licensing, candidates must pass recognized exams such as the MBLEx or BCTMB, submit educational transcripts, undergo background checks, secure professional liability insurance, and complete an Affidavit of Eligibility.
Education and Training Requirements:
Attend an approved massage therapy program. Colorado accepts programs certified by the Colorado Community College System, the Colorado Division of Private and Occupational Schools, or nationally accredited programs.
Complete at least 650 hours of massage therapy education, including both classroom and clinical work.
License Requirements:
- Pass a licensing examination. Accepted exams include the Massage and Bodywork Licensing Exam (MBLEx) by the Federation of State Massage Therapy Boards, the Board Certification in Therapeutic Massage and Bodywork (BCTMB), or other approved exams.
- Submit official transcripts or certificates of education directly from the educational institution.
- Undergo a state and federal background check with fingerprinting.
- Obtain professional liability insurance with $50,000 per occurrence and $300,000 per year limits. We offer massage therapists a policy with $1,000,000 per occurrence and $3,000,0000 pear year in coverage.
- Complete an Affidavit of Eligibility.
- For endorsement applicants: Provide proof of active massage practice or continuing education.
It's crucial to stay current with the latest information and updates from DORA, the Colorado Office of Massage Therapy Licensure. This ensures you meet all the necessary requirements and maintain your license effectively.
For detailed information and updates, it's recommended to visit the Colorado Office of Massage Therapy Licensure's official website and DORA's resources.
In Colorado, professional massage therapists must have insurance coverage. This requirement protects both the therapists and their clients from potential risks and liabilities associated with the practice. Having comprehensive insurance coverage offers many benefits for massage professionals. Insurance also offers peace of mind, allowing you to focus on providing the best possible care to your clients without the constant worry of potential legal issues.
For detailed information on the specific requirements for massage therapists in Colorado, check out the Massage Magazine Insurance Plus Colorado State Requirements page.
Colorado Massage Therapist Resources
The average annual salary for massage therapists in Colorado is around $57,000, according to salary.com. This is lower than the national average salary for massage therapists in the United States, which was reported to be about $66,000 annually as of 2024.
DORA (Department of Regulatory Agencies) is essential for Colorado massage therapists as it oversees the state's licensing and regulation of massage therapists. It provides up-to-date information on licensing requirements, renewal processes, and any regulatory changes affecting the profession.
Choosing the right massage therapy school is a pivotal step in your journey towards a rewarding career. In Colorado, a state known for its robust health and wellness culture, the quality of your education can set the foundation for a prosperous future.
A good massage therapy school not only imparts essential skills and knowledge but also prepares you for the diverse opportunities that Colorado's thriving wellness industry offers.
With the state's high concentration of massage therapy jobs and a growing demand for skilled practitioners, investing in a top-notch education is more than just learning; it's about building a fulfilling career in a field where you can genuinely make a difference.
Here are some reputable massage therapy schools in different regions of Colorado:
North - IBMC College, Fort Collins: Known for its intimate learning environment, IBMC College in Fort Collins offers a comprehensive program that balances theoretical knowledge with practical skills. The school has a notable student-to-faculty ratio, ensuring personalized attention.
South - Trinidad State Junior College, Trinidad: This college offers a well-rounded massage therapy program in a small town setting. It's a great option for those looking for a comprehensive education in a more intimate, community-focused environment.
East - Intellitec College, Colorado Springs: Located in Colorado Springs, Intellitec College combines classroom instruction with hands-on training. Their focus on communication skills and client needs makes their program stand out for its practical and client-centered approach.
West - Colorado Northwestern Community College, Rangely: This college provides a robust massage therapy program in a remote rural setting. It's ideal for students who prefer a quieter, more scenic learning environment.
Central - Emily Griffith Technical College, Denver: Situated in the heart of Denver, this college offers a dynamic program in a vibrant urban setting. Its central location provides a diverse learning experience with access to a wide range of professional opportunities.
Each of these schools brings something unique to the table, whether it's a focus on specific massage techniques, a strong sense of community, or opportunities for hands-on experience in diverse settings.
In Colorado, you are required to have professional liability insurance. The specific requirements are a minimum coverage of $50,000 per claim and an aggregate limited liability for all claims during the year of $300,000.
Massage Magazine Insurance Plus easily covers these requirements and offers much more!
For more detailed information, see our page about massage insurance in Colorado or get insured below.
Real Claims We've Covered for Massage Therapists
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.
Three Colorado 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
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. and Ascot Group, 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
One policy covers you in over 500 modalities, see all here.
Coverage That Follows You
Coverage automatically follows you nationwide.
Free Continuing Education Courses
Access 50 hours of FREE NCBTMB-approved CEs from Niel Asher Education 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.
We Cover 500+ Modalities and Disciplines
All at no extra cost.
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 Colorado's most trusted massage therapy insurance protects practitioners across the Centennial 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 Denver practice. 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 Slush-Day Slip
After a quick spring storm on the Front Range, snowmelt and slush track into your Boulder studio. Despite putting out a mat and a caution sign, a client hurrying in while checking their phone slips near the entrance and fractures their wrist. They’re now facing surgery, rehab, and time away from 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.
Protect Your Colorado Practice Today
Join thousands of Colorado massage therapists who trust MMIP for comprehensive, affordable protection. From the Front Range to the Western Slope, we've got you covered.
