Medical Massage
Liability Insurance
Protection built for clinical precision, patient care, and professional credibility.
Every medical massage therapist works at the intersection of science and skill. You assess pain, support recovery, and help patients regain function. Each treatment requires precision, physical contact, and professional judgment and that creates exposure to real liability risks.
Medical Massage Liability Insurance from Massage Magazine Insurance Plus provides protection for those moments. Whether it’s a client injury, a malpractice claim, or an unexpected legal expense, your policy delivers the professional liability coverage and general liability insurance your medical massage therapy career needs to stay secure.
Starting at $169 per year, our affordable insurance plan offers comprehensive coverage for massage professionals in clinical or rehabilitative settings. Policyholders also receive 50 hours of continuing education from Niel Asher Education, supporting professional development while maintaining protection that meets industry standards.
Protect your expertise, your patients, and your practice. Your medical massage liability insurance policy defends what you’ve worked hard to achieve.
Medical Massage Liability Insurance Cost
$169 - 1 Year
Our medical massage liability insurance policy is tailored to the needs of practitioners with years of experience. We provide perks and benefits other companies don't - like free CEs, plans for more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work less hours? Pay lower rates. Our medical massage liability insurance policy is for professionals who work fewer than 10 hands-on hours per week but still want a high-quality insurance coverage.
$299 - 2 Year
Protect yourself with our two-year medical massage liability insurance policy that saves you $39 over the course of your coverage. You get all the same perks and benefits as our standard policy and don't have to worry about a lapse in protection for two years.
Already insured & looking to renew?
What Our Medical Massage Insurance Plan Includes
Medical Massage liability insurance from MMIP provides both professional and general liability protection, along with additional safeguards that deliver the most comprehensive plan possible for your massage practice.
Our Liability Insurance for Medical Massage Therapists Provides Protection in the Following Areas
General Liability Insurance: Protect your medical massage practice from accidents that happen in your treatment space. A client might slip while stepping off the massage table, trip over equipment, or strain a muscle while getting dressed. These incidents lead to bodily injury claims and medical expenses that drain time and resources. This plan handles those costs and helps you stay focused on delivering effective massage therapy services instead of managing paperwork and risk.
Personal & Advertising Injury Coverage: Your reputation matters as much as your results. Personal and advertising injury coverage helps when marketing, reviews, or online content lead to a legal liability claim. If you’re accused of libel, slander, or copyright violation in an ad or post, your plan covers legal expenses and financial assistance. That protection keeps your brand intact and lets you promote your massage practice confidently.
Professional Liability Insurance: Often called malpractice insurance, addresses the risks that come with clinical bodywork. If a patient claims increased pain, bruising, or an aggravated condition after treatment, you could face a legal claim. This plan provides legal defense coverage, pays defense costs, and helps with covered claims tied to your professional services. It supports you when the unexpected happens, so you can continue practicing without disruption to your massage therapy business.
Identity Theft Protection: Your personal information deserves the same level of protection you give your clients. If someone steals your identity or uses your personal details to open accounts or file fraudulent claims, the impact is costly. This plan includes up to $25,000 in identity theft protection to help you recover losses and restore your financial standing. It defends your personal assets and keeps your focus where it belongs on delivering safe, effective massage therapy services.
Exclusive coverage perks and benefits included
500+ Modalities Covered—No Extra Cost
For one low price, you're covered for over 500 therapeutic and bodywork modalities like medical massage, neuromuscular therapy, myofascial release, trigger point therapy, deep tissue massage, and sports massage. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 50 hours of FREE NCBTMB-approved online continuing education courses from Niel Asher Education.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Disciplines and Modalities We Cover
General And Professional Liability Limits
What Is Medical Massage?
Medical massage therapy focuses on treating pain, injury, and restricted movement through targeted manual techniques. Practitioners work with patients recovering from surgeries, soft tissue injuries, or chronic musculoskeletal issues. Each session relies on clinical assessment and documentation to address specific medical conditions, not general relaxation.
Medical massage therapists often collaborate with chiropractors, physical therapists, and physicians as part of a coordinated care plan. They use deep tissue methods, myofascial release, trigger point therapy, and rehabilitative stretching to restore function and reduce discomfort. That level of responsibility requires both technical precision and professional accountability.
Because every treatment carries physical contact and therapeutic intent, liability protection becomes critical. An inaccurate assessment, excessive pressure, or miscommunication about treatment outcomes can lead to claims arising from bodily injury, personal injury liability, or medical expenses.
Do I Need Medical Massage Liability Insurance?
If you provide medical massage therapy, you need medical massage liability insurance, no exceptions. You work directly with patients who may be recovering from injuries or managing chronic pain. That hands-on care comes with real exposure to legal liability and professional risk. A single incident, even when you’ve done everything right, can lead to claims arising from bodily injury, personal injury, or treatment-related complications.
A general and professional massage liability insurance policy from Massage Magazine Insurance Plus gives you the protection required to keep your career secure. It combines professional liability insurance coverage and general liability insurance into one straightforward plan. That means if a patient reports increased discomfort after a session or alleges malpractice, you have legal defense coverage and financial support for medical expenses or defense costs.
MMIP has supported massage professionals across the wellness and rehabilitation industries for decades. For an annual rate that keeps your massage therapy insurance cost affordable (just $169/year), you receive comprehensive coverage with high professional liability limits, occurrence form protection, and access to continuing education through Niel Asher Education.
What Should I Look for in a Medical Massage Insurance Policy?
Choosing the right medical massage liability insurance means finding a plan that protects every part of your professional work. Start with a policy that includes both professional liability coverage and general liability coverage. These two protections form the foundation of a dependable massage therapy insurance policy, guarding you from claims arising out of your professional services or on-site incidents.
Effective protection for medical massage therapists must go beyond treatment-based claims. Look for liability coverage that helps pay legal defense costs, medical expenses, and personal injury liability, the real-world issues that interrupt your practice and threaten your stability.
A strong plan also supports your long-term success. MMIP includes 50 hours of Niel Asher Education, giving you continuing education that keeps you sharp and compliant with evolving standards in the massage therapy field. This benefit, along with built-in identity theft protection, adds value far beyond basic liability protection.
Massage Magazine Insurance Plus offers affordable insurance that delivers comprehensive coverage for bodywork professionals across the country. As your insurance partner, we focus on reliability and clear terms, not hidden limitations. You get coverage that responds when it matters most, so you can keep your medical massage career running safely, confidently, and professionally.
Hear What Our Liability Insurance Policyholders Have To Say
Frequently Asked Questions
Our medical massage liability insurance plans start at $169 per year for full-time professionals. Part-time therapists who work fewer than ten hands-on hours per week can choose the $159 annual plan. For long-term protection, a two-year plan is available for $299, giving you continuous coverage and saving you money over time.
All plans include the same high professional liability limits, general liability protection, and access to 50 hours of Niel Asher Education. You also receive instant coverage upon approval, ensuring your practice stays insured without interruption.
If a patient files a complaint or injury report, your medical massage liability insurance responds immediately. You’ll submit a claim outlining what happened and provide documentation of the session or medical massage services involved. MMIP assigns a claims specialist to handle communication, coordinate legal defense, and manage expenses tied to the case.
Your medical massage insurance coverage pays for attorney fees, medical expenses, and settlements if you’re found legally obligated to pay damages. The process is designed to protect your time, your massage therapy business, and your professional reputation, so you can keep focusing on patient care while your policy handles the details.
Yes. Even when your employer carries facility insurance, you still need your own professional massage liability insurance. Facility policies protect the business, not the individual. Personal protection ensures that your professional services remain covered wherever you work, whether in a medical office, rehab clinic, or private practice.
Professional liability coverage protects you when a patient alleges harm from your treatment or advice. If someone claims increased pain, bruising, or delayed recovery after a session, your medical massage therapy liability insurance helps with legal defense costs, settlements, and related expenses. It ensures you can continue providing medical massage services without risking your career or income.
An additional insured endorsement lets you extend your plan’s protection to another part. If a claim involves the facility where you were working, your policy helps protect both you and the business.
Cost per additional insured:
- $10.00 for a 1-year policy or the end of the policy term
- $15.95 for a 2-year policy or the end of the policy term
MMIP provides instant coverage once your application and payment are complete. You receive proof of insurance immediately, including your insurance certificate and additional insured endorsement if requested. You can start seeing patients the same day your plan goes live.
Absolutely. A single lawsuit can cost thousands in legal defense and settlement fees. Having medical massage therapy liability insurance shields your personal assets and supports long term financial stability, ensuring that one claim doesn’t undo years of work building your professional reputation and income.
