Hawaii Massage Insurance
Protect Your Career with the #1 rated Hawaii Massage Liability Insurance for Only $0.41/Day
How Much Does Massage Liability Insurance Cost in Hawaii?
1 year full-time Professional Rate
$
169
/1yr
Cost to you: $0.46/day
2 year full-time
professional rate
$
299
/2yr
Cost to you: $12.50/month
1 year part-time
professional rate
$
159
/1yr
Cost to you: $0.43/day
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.
Hawaii Massage Liability Insurance Guidelines
While Hawaii doesn't make liability insurance mandatory for massage therapists, having it can be a game-changer. Think of it as a safety net; it can be the difference between a flourishing practice and financial struggles. This insurance acts as a guiding light, helping therapists navigate challenges that might arise from unexpected complications in their services.
For more detailed information, check out our Hawaii State Requirements for Massage Therapists page.
Three Policy Options to Choose From For Hawaii Massage Insurance
1 year full-time Professional Rate
$
169
/1yr
Cost to you: $0.46/day
2 year full-time
professional rate
$
299
/2yr
Cost to you: $12.50/month
1 year part-time
professional rate
$
159
/1yr
Cost to you: $0.43/day
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
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.
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.
When the Unexpected Happens, MMIP Has You Covered
See how Hawaii’s most trusted massage therapy insurance protects practitioners across the Aloha 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 Waikiki 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 Rain Shower Slip
A tropical shower leaves puddles at your spa’s entrance in Lahaina. Despite setting down mats, a client rushing in while checking their phone slips on the tile 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.
The Hot Stone Burn Incident
You’re providing a relaxing hot stone massage to a regular client at your Kona 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 Hawaii Practice Today
Join thousands of Hawaii massage therapists who trust MMIP for comprehensive, affordable protection. From Honolulu to Maui, the Big Island to Kauai—we’ve got you covered.
