Affordable Massage Student Liability Insurance
Starting massage therapy school is exciting, but even student massage therapists need protection. One slip with hot stones or a client reaction during a practice session could leave you legally obligated for medical expenses. That’s why having massage student liability insurance matters.
A student policy gives you the same kind of professional liability insurance and general liability coverage that working pros use, just at an affordable cost. With this comprehensive liability insurance, you can focus on learning massage services and practice sessions while knowing your financial assets are safe.
Real Risks — Even for Students
Even in a calm, well-supervised classroom, things can go wrong. A client might trip and fall, react to essential oils, or claim a technique caused injury — and that can trigger serious consequences. Without liability insurance, you could face unexpected costs like:
- $2,000–$5,000 in out-of-pocket medical bills
- Attorney fees (even for dismissed claims) ranging from $1,500 to $4,000
- Time lost from school responding to legal documents, phone calls, or court appearances
The legal stress is real: you might receive a demand letter, have to respond to a formal complaint, or be asked to make a statement under oath — all while still a student.
And once a complaint is made, even if you’re not found at fault, it could show up in school records or digital background checks, affecting internship placements, early job opportunities, or even licensing delays. In a hands-on profession where trust is everything, even the hint of negligence can make it harder to build a loyal client base later.
Why Choose Our Student Massage Insurance
Selecting the right insurance for your massage therapy studies is important. Our student massage insurance stands out for its comprehensive coverage and affordability.
Designed specifically for massage therapy students, this insurance includes professional and general liability insurance, offering a safety net against potential risks.
Whether it's a claim related to a technique applied during a session or an accident occurring in your practice area, our massage therapy insurance policy covers you. With student liability insurance, you can pursue your educational journey with peace of mind, knowing that your professional growth is protected at an affordable cost. Insurance policies are portable and follow students through clinical placements and internships.
- Portable coverage that follows you beyond class into internships
- Occurrence form coverage (protected even after the policy period)
- Additional insured endorsement for schools/clinics
- Member benefits (ebooks, discounts, online therapy)
- Identity protection included
For $49 You Can Be Covered Worry-Free And Have Access To:
1 year
STudent Rate
Students receive professional-level coverage for 365 days, even after graduation.
$
49
/yr
Professional Liability Insurance Limits
1 Additional Insured: $10 | Unlimited Additional Insureds: $30
Together, these limits create comprehensive liability insurance at an affordable cost of just 49$ a year, giving student massage therapists a safety net for everything from client injuries to advertising coverage.
With Massage Magazine Insurance, you get more than basic liability coverage. Our portable coverage follows you through school-sanctioned activities and internships, offering a true safety net. From malpractice insurance that covers professional negligence to extras like identity theft protection and advertising coverage, it’s the right insurance to protect you from covered claims while you’re still a student.
Professional Liability Insurance: This is your core liability coverage. It includes professional liability insurance (also called malpractice insurance) for covered claims of professional negligence, like if hot stones cause burns or a client is injured during a deep tissue massage.
General Liability Insurance: Provides protection from claims not directly tied to massage services. For example, if a client trips and suffers bodily injury on your property, this coverage helps with medical expenses and defense costs you could be legally obligated to pay.
This protects you if a claim arises from libel, slander, or even issues tied to social media promotion and marketing. It’s an essential safeguard for today’s massage therapy students entering professional practice.
Beyond physical risks, your policy also provides identity theft protection. This additional plan helps guard your personal property and financial assets if your information is stolen, with services like credit monitoring, dark web scans, and recovery assistance
Customer Testimonials and Success Stories
Hear directly from aspiring massage therapists who've experienced the real-world benefits of our insurance protection. These customer testimonials and success stories showcase the positive impact of our coverage.
From protecting their practice sessions to providing peace of mind, these client stories vividly illustrate the essential role our insurance plays in the journey of a student therapist.
This is the easiest company I have ever...
This is the easiest company I have ever dealt with. Great experience and have been using them every since I have been a massage student:)
Nicole
... I heard my client slip and fall ...
My appointment was going well when I heard my client slip and fall in the bathroom during my service. She twisted her ankle. I did not realize that I was being held responsible for this. I had to pay for her medical bills and pain and suffering. I was happy to find out that my policy with Insurance Plus covered it.
Shannon White
Rated EXCELLENT on
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.
Student Policy Requirements
- 1Only students enrolled in their initial license or certification course for the profession selected as primary modality qualify for a student policy.
- 2If you are not a student on the effective date of coverage, all insurance is null and void, and no claims will be paid.
- 3Student liability insurance lasts for 12 months after enrollment.
Additional Benefits and Resources
With Massage Magazine Insurance, you don’t just get basic massage student liability insurance; you get a package of extras designed to save you money, protect your future, and support your growth in massage therapy school and beyond.
Here’s what sets our student insurance apart:
- $1,800+ in exclusive member benefits and discounts on massage supplies, CE courses, and wellness tools—real savings that pay for your policy many times over.
- $25,000 in identity theft protection plan, guarding your financial assets against identity theft.
- A free month of online therapy, because your own wellness matters as much as your clients’.
- Coverage for 500+ modalities—from hot stones and deep tissue massage to Reiki, yoga instructors, and essential oils, so you’re protected no matter how your training evolves.
These additional benefits provide more than insurance coverage; they’re a career-building toolkit. While other providers stop at liability coverage, Massage Magazine Insurance Plus delivers portable coverage, additional resources, and comprehensive liability insurance that follow you through practice sessions, internships, and the start of your professional journey.
