New York Massage Insurance
New York Massage Liability Insurance Guidelines
If you are a massage therapist conducting business anywhere in the state of New York, having liability insurance is an essential element of protecting the integrity of your business. As cliché as it may sound, accidents do happen, and it is wise for massage professionals and bodyworkers to “err on the side of caution” by procuring insurance. This insurance acts as a safety net against any potential liability issues that may arise on the job.
While carrying massage liability insurance is not a legal requirement for massage therapy professionals in NY, it is still highly recommended because it adds safety and legitimacy to your business.
For more detailed information, check out our New York State Requirements for Massage Therapists page.
How Much Does Massage Insurance Cost in New York?
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
Exclusive perks and benefits included with every policy
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. 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 60 hours of FREE NCBTMB-approved online continuing education courses from Panda Massage CEU.
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.
Professional Liability Insurance Limits
Full-time, part-time, or a student, all insurance members enjoy the same great coverage limits. Our massage 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.
When it comes to massage liability insurance for New York 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 New York 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 New York 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 New York: 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 Panda Massage CEU 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 New York, 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.
See What Our Insurance Members Are Saying
REASONS WHY
Over 200,000 Professionals Have Chosen Us
Massage Magazine Insurance Plus is proud to provide the industry-recommend coverage type: occurrence form coverage with aggregate limits.
This combined with millions in annual coverage and superior customer service are just some of the top reasons why so many professionals choose MMIP.
We offer occurrence form coverage
Our policy has "occurrence form coverage" which is the industry-preferred coverage type because you are guaranteed to be protected against claims that occurred while your policy was in effect, even if the claim arises after your policy has expired.
Other insurance companies offer "claims made coverage", which means your policy has to be active when a claim is made in order to be protected. If your policy lapses, they will not cover you.
We cover over 500 disciplines and modalities in New York
Our policy was designed to cover dual-practitioners in the beauty & bodywork industry, in all 50 states, for no additional cost.
However, there are some techniques and modalities that our policy does not cover, you can see the full list here.
New York Massage Therapist Requirements
New York Massage Therapist State Requirements to become a licensed massage therapist include completing 1,000 hours of training from a state-approved school, covering:
- 200 hours of anatomy, physiology & neurology (50+ in neurology)
- 100 hours of general pathology
- 150 hours each of myology & kinesiology
- 150 hours of Western & Oriental massage therapy
- 75 hours of hygiene & first aid
- 325 hours of clinical massage techniques
Licensing Steps:
- Pass the NY State Massage Therapy Exam (includes state laws & regulations)
- Be at least 18 years old & pass a background check
- Complete CPR certification (within 3 years of applying)
- Submit an application with a $108 fee, proof of education, and exam results
$0.41/day represents the daily cost of the annual policy for the part-time professional rate. Daily payments are not available.
