Texas Massage Insurance
Texas Massage Liability Insurance Guidelines
Although professional liability insurance is not a requirement by the state of Texas, it is still highly recommended to obtain because it helps to protect you, your clients, and adds an important layer of legitimacy to your business.
For more detailed information, check out our Texas State Requirements for Massage Therapists page.
Texas Massage Liability Insurance Cost
1 year full-time Professional Rate
Cost to you: $0.46/day
$
169
/1yr
2 year full-time
professional rate
Cost to you: $0.41/day
$
299
/2yr
1 year part-time
professional rate
Cost to you: $0.43/day
$
159
/1yr
Exclusive Coverage Perks and Benefits Included in 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 modalities covered 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.
Why Texas Massage Therapists Trust Our Insurance Solutions
When it comes to massage liability insurance for Texas 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 Texas 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 Texas 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 Texas: 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 Texas, 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.
Texas State Requirements for Massage Therapists
While Texas does not require massage therapists to carry liability insurance, the nature of the profession makes it strongly recommended. Providing massage therapy services comes with inherent risks, including potential claims from clients. As a result, obtaining professional liability insurance is a crucial step in protecting both your practice and reputation.
Professional liability insurance helps safeguard against claims related to the services provided. For example, a policy from Massage Magazine Insurance Plus offers extensive coverage for massage therapists, including:
- $2 million per occurrence: Each individual incident that results in a claim is covered up to $2 million.
- $3 million total aggregate coverage: This is the maximum amount covered for all claims within the policy period.
This level of coverage allows massage therapists to work with confidence, knowing they are protected from financial losses due to potential lawsuits or claims. To learn more visit the Texas Massage Therapist Requirements page
See What Our Members Have To Say
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
Our policy was designed to cover dual-practitioners in the beauty & bodywork industry for no additional cost.
However, there are some techniques and modalities that our policy does not cover, you can see the full list here.
