Indiana Massage Insurance
Protect Your Career this September 2025 with the #1 rated Indiana Massage Liability Insurance for Only $0.41/Day
Massage therapy is not just about skillful touch but also about building a trusted bond with your clients. Having the right massage therapist insurance is crucial in the Hoosier State, where wellness and beauty intertwine.
It's more than just a requirement; it's a cornerstone of your professional practice. This insurance, a blend of professional and general liability, provides a safety net, ensuring you can offer your healing services with confidence and peace of mind.
Whether in bustling Indianapolis or the serene shores of Lake Michigan, our insurance allows you to focus on what you do best – nurturing health and wellness in every massage session.
With instant coverage, certified massage therapists in Indiana can practice knowing they're protected against unforeseen risks and claims, ensuring a thriving business and a legacy of care in this beautiful state.
How Much Does Indiana Massage Insurance Cost?
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: $0.41/day
1 year part-time
professional rate
$
159
/1yr
Cost to you: $0.43/day
Additional Costs for Massage Therapists in Indiana
Some additional costs for massage therapists in Indiana 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.
Indiana Massage Liability Insurance Benefits
In Indiana, having massage insurance offers a range of benefits that are vital for both the therapist and their clients.
Here’s why it’s essential:
- Client Trust and Confidence: Clients who know you're insured feel more confident in your services. It shows professionalism and a commitment to safety.
- Financial Protection: Insurance covers unexpected costs from accidents or claims. This financial safety net is crucial, especially since massage therapy can sometimes lead to unforeseen situations.
- Legal Compliance: Indiana requires massage therapists to have insurance. Staying legally compliant avoids penalties and reinforces your credibility as a licensed professional.
- Peace of Mind: Knowing you're insured lets you focus on providing the best care to your clients without worrying about potential risks.
- Career Longevity: Insurance is an investment in your career’s longevity. It helps you manage risks, ensuring you can continue your practice for years.
- Broad Coverage: Indiana massage insurance typically includes general liability, professional liability, and personal injury protection, offering a full shield against various types of risks.
Indiana Massage Therapy Insurance Coverage
Indiana massage therapists often face the challenge of managing potential risks, from client injuries to simple trip and fall accidents. This problem is exacerbated by the complex nature of liability issues, which can be costly and damage your reputation. The anxiety surrounding these risks can be overwhelming, leading to a constant worry about the financial and legal implications of unforeseen incidents.
The solution lies in securing robust massage therapy insurance. Massage Magazine Insurance Plus offers comprehensive coverage tailored for you, providing peace of mind with protection against a wide range of potential liabilities. This coverage guarantees you can focus on your practice, knowing you are well-protected.
Here is what we offer:
Comprehensive Coverage Options
- Professional Liability Insurance: Also known as "malpractice insurance," this covers claims related to professional negligence, such as injuries from treatments.
- General Liability Insurance: Protects against claims not directly related to your professional services, like a client's accidental fall on your property.
- Identity Theft Protection: This service protects against identity theft and offers crucial support and resources if your personal information is compromised.
Financial Protection and Limits
- Professional and General Liability: Up to $2,000,000 per occurrence and $3,000,000 annual aggregate.
- Personal Injury & Advertising Coverage: $2,000,000 annual aggregate.
- Identity Protection Coverage: Up to $25,000 to safeguard against identity theft and related risks.
Why Indiana Massage Therapists Trust Our Insurance Solutions
Indiana massage therapists rely on Massage Magazine Insurance Plus (MMIP) for numerous reasons, making it a top choice for professional liability insurance. Our range of insurance products offers versatile coverage options tailored to the unique demands of massage therapy professionals.
Here are some key aspects that set MMIP apart:
- Comprehensive Coverage: MMIP offers an extensive range of coverage, including professional liability and general liability liability insurance. This ensures therapists are protected against various types of claims, from professional negligence to product-related incidents.
- Competitive Rates: MMIP's insurance policies are priced competitively, often up to 30% lower than other providers, without compromising the quality of coverage and benefits.
- Instant Coverage: Therapists can receive immediate coverage in a timely manner, providing quick protection for their medical practice.
- Occurrence Coverage: MMIP offers Occurrence Form coverage, preferred in the industry, ensuring therapists are covered for incidents during the policy period, regardless of when the claim is filed.
- Free Continuing Education: MMIP partners with Niel Asher Education to offer free NCBTMB-approved online continuing education, helping therapists stay updated with the latest techniques and practices.
- Coverage for 500+ Modalities: MMIP’s policy covers a wide range of modalities, ensuring therapists don’t need to update their insurance whenever they learn a new skill.
- Nationwide Coverage: The insurance covers therapists across all 50 states, offering peace of mind regardless of where they practice.
- Industry Expertise: With over 35 years in the industry, MMIP's experience ensures that the policies are tailored to meet the unique needs of massage therapists.
- Member Benefits: MMIP provides over $1,800 in discounts to industry-related offerings supported by trusted industry partners.
- Additional insured, if required: Having additional insured status in your insurance policy means extended protection, covering you and other parties involved in your practice.
Indiana State Requirements for Massage Therapists
In Indiana, massage therapists must have professional and general liability insurance. We adhere to the guidelines set by the Indiana Professional Licensing Agency, providing massage therapists in Indiana with increased limits to meet these requirements of $2 million in coverage per occurrence and an aggregate of $6 million.
For detailed insights on the effects of these insurance requirements and associated expenses, explore our Indiana State Requirements page. Massage Magazine Insurance Plus offers a range of insurance choices, ensuring your practice operates smoothly without the stress of potential legal implications.
Indiana Massage Therapist Resources
Indiana massage employment statistics show that licensed massage therapists enjoy a competitive salary compared to the national average. The average salary for massage therapists in Indiana is just under $48,000. This is lower than the average salary of $57,060.
Indiana massage therapists have valuable resources at their disposal. The State Board, located on Washington St., is a primary regulatory information and licensing source. Licensed massage therapists and those aspiring to join the profession can visit the Indiana Professional Licensing Agency for additional information about massage therapy in Indiana, including:
- licensure details
- continuing education requirements
- access to other important resources
Three Indiana Massage Insurance Coverage to Choose From
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: $0.41/day
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. 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.
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 Indiana’s most trusted massage therapy insurance protects practitioners across the Hoosier 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 Indy 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 Freeze–Thaw Slip
After a quick freeze–thaw cycle, meltwater refreezes outside and gets tracked into your Fort Wayne studio entry. Despite a floor mat and caution sign, a client rushing in while checking their phone slips 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 Evansville 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 Indiana Practice Today
Join thousands of Indiana massage therapists who trust MMIP for comprehensive, affordable protection. From Indianapolis to Fort Wayne—Bloomington, Evansville, and beyond—we’ve got you covered.
