PENNSYLVANIA MASSAGE LIABILITY INSURANCE
Protect Your Career this October 2025 with the #1 rated Pennsylvania Massage Liability Insurance for Only $0.41/Day
How Much Does Massage A Pennsylvania 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.
Pennsylvania Massage Liability Insurance Guidelines
For massage therapists practicing in Pennsylvania, securing a pennsylvania liability insurance is a crucial step in protecting your business and professional reputation. While state regulations do not mandate this coverage, the unpredictable nature of human interaction means that accidents and misunderstandings can occur, even in the most controlled environments.
Liability insurance serves as a vital safety net, shielding you from the financial and legal repercussions that could arise from client injuries, dissatisfaction, or other liability issues encountered during your practice. Beyond mere protection, having insurance demonstrates a commitment to professionalism and care, reassuring clients that you take their safety and well-being seriously.
Furthermore, many employers, wellness centers, and certification bodies may view liability insurance as a standard expectation, making it an essential part of your practice's foundation. Investing in comprehensive coverage not only preserves your business's integrity but also contributes to its long-term sustainability and success.
For more detailed information, check out our Pennsylvania State Requirements for Massage Therapists page.
Three Policy Options to Choose From For Pennsylvania 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.
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 Pennsylvania's most trusted massage therapy insurance protects practitioners across the Keystone 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 Center City 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 Winter Black-Ice Slip
After a quick freeze along the Three Rivers, meltwater refreezes outside and gets tracked into your studio entry. Despite putting out a mat and a caution sign, a client distracted by 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 Erie 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 Pennsylvania Practice Today
Join thousands of Pennsylvania massage therapists who trust MMIP for comprehensive, affordable protection. From Philadelphia to Pittsburgh—Lehigh Valley to Erie—we've got you covered.
