MASSACHUSETTS MASSAGE LIABILITY INSURANCE
Protect Your Career this October, 2025 with the #1 rated Massachusetts Massage Liability Insurance for Only $0.41/Day
Massachusetts Massage Insurance Guidelines
Massage professionals in Massachusetts are required to carry a Massachusetts massage liability insurance with minimum policy limits of $1,000,000 per occurrence / $1,000,000 per year. Massage therapists in Massachusetts should have the proper massage therapist insurance coverage not only to meet your states massage therapist requirements, but to ensure that you are fully protected if and when the unexpected occurs.
Explore our Massachusetts State Requirements page for deeper insights into the effects of these insurance requirements and associated expenses. Massage Magazine Insurance Plus offers a range of insurance choices, ensuring your practice operates smoothly without the stress of potential legal implications.
How Much Does Massachusetts Massage Liability 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: $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.
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 Arch Insurance, 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.
Professional Massachusetts Massage Liability Insurance Limits
1 Additional Insured: $10 | Unlimited Additional Insureds: $30
We don’t believe in offering different policy limits so all our policies have the same limits. Full-time, part-time, or a student, all members enjoy the same great benefit. Our Massachusetts massage therapy 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.
Why Massachusetts Massage Therapists Trust Our Insurance Solutions
When it comes to massage liability insurance for Massachusetts massage professionals, they rely on Massage Magazine Insurance Plus (MMIP) for numerous reasons, making it a top choice for liability insurance.
Here are some key aspects that set MMIP apart:
- Comprehensive Massachusetts Massage Liability Coverage: MMIP offers an extensive range of coverage, including professional liability and general liability insurance. This ensures massage therapist are protected against various claims, from professional negligence to advertising incidents.
- Competitive Rates: MMIP's massage insurance policies in Massachusetts are priced competitively, often up to 30% lower than other providers, without compromising the quality of the policy and benefits.
- Instant Coverage for Massage Therapist in Massachusetts: MMIP ensures that you can receive immediate coverage upon completing their application, providing quick protection for their practice.
- Occurrence Coverage: MMIP offers Occurrence Form coverage, preferred in the industry, ensuring therapists are covered for incidents during the policy period, even after their policy has expired.
- Free Continuing Education: MMIP partners with Niel Asher Education to offer free NCBTMB-approved online continuing education, helping massage professionals to 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: Our massage insurance covers massage therapists not just living in the state of Massachusetts, but 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.
Massachusetts State Requirements for Massage Therapists
In Massachusetts, carrying Liability Insurance is mandatory for licensed massage therapists, protecting against claims and legal matters related to their services. This insurance is critical for your practice's protection and compliance.
Massachusetts Massage Therapist Resources
In Massachusetts, massage employment statistics reveal an average salary of $66,000, surpassing the national average of $56,000. This indicates a thriving market for massage therapists in the Bay State.
The Massachusetts Board of Registration of Massage Therapy is a vital resource, offering guidance on regulations, licensure, and professional standards.
MMIP stands out as your trusted insurance company for those seeking comprehensive protection. Unlike independent insurance agents, MMIP provides specialized coverage to cover common accidents, liability claims and other issues specific to massage therapy, ensuring you're fully protected in your practice.
When the Unexpected Happens, MMIP Has You Covered
See how Massachusetts' most trusted massage therapy insurance protects practitioners across the Bay 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 Back Bay 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 Nor’easter Slip
After a fast-moving nor’easter, slush and meltwater get tracked into your Worcester studio. Despite a floor mat and caution sign, a client rushing 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.
The Hot Stone Burn Incident
You're providing a relaxing hot stone massage to a regular client at your Springfield 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 Massachusetts Practice Today
Join thousands of Massachusetts massage therapists who trust MMIP for comprehensive, affordable protection. From Boston to the Berkshires—Cape Cod & the Islands included—we’ve got you covered.
