Texas Massage Liability Insurance
Texas massage therapists from Houston to Dallas rely on MMIP for professional liability insurance starting at just $12.50/month. In the Lone Star State, our A-rated coverage provides comprehensive protection for your practice with professional and general liability insurance covering 500+ modalities. Get instant coverage with the most trusted name in massage insurance from Austin to San Antonio and everywhere in between. Protect Your Career this October 2025 with the #1 rated Texas Massage Liability Insurance for Only $0.41/Day
Affordable Massage Insurance Plans for Texas Therapists
1 year full-time Professional Rate
Cost to you: $0.46/day
$
169
/1yr
2 year full-time
professional rate
Cost to you: $12.50/month
$
299
/2yr
1 year part-time
professional rate
Cost to you: $0.43/day
$
159
/1yr
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.
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.
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 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.
We Cover 500+ Modalities and Disciplines
All at no extra cost.
Massage Therapy Liability Insurance Policy Benefits & Highlights
Free CEs
We've teamed up with a premier massage therapy continuing education provider, Niel Asher Education, to offer our members access to 50 hours of FREE NCBTMB-approved online massage continuing education.
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
How to Become a Massage Therapist in Texas
Starting your career as a massage therapist in Texas involves several important steps overseen by the Texas Department of Licensing and Regulation. First, you must meet the age requirement of 18 years and complete 500 hours of approved massage therapy training.
Following your training, you must pass two key examinations: the Massage and Bodywork Licensing Examination (MBLEx) for your professional skills and the Texas jurisprudence exam, which covers the specific laws and rules for massage therapy in Texas.
An essential part of your licensing process is a background check, which includes fingerprinting to verify your history. The initial application fee for licensing is approximately $117. Additionally, while not required for your first license application, obtaining professional liability insurance is highly advisable to protect yourself and your practice. Keep reading to learn more:
Education and Training Requirements:
Completion of Training: Prospective massage therapists must complete 500 hours of instruction from a massage therapy school licensed by the TDLR. This training includes both classroom education and hands-on clinical experience.
200 hours of massage therapy techniques, with at least 125 hours of Swedish massage techniques
50 hours of anatomy
25 hours of physiology
50 hours of kinesiology
40 hours of pathology
20 hours of hydrotherapy
45 hours of massage therapy laws and rules, business practices, and professional ethics
20 hours of health and hygiene, first aid, universal precautions, and CPR
50 hours of internship
Examination: You must pass the Massage and Bodywork Licensing Examination (MBLEx) offered by the Federation of State Massage Therapy Boards (FSMTB) or a TDLR-approved equivalent exam. Applicants must also pass the Texas Massage Therapy Jurisprudence Exam to demonstrate knowledge of Texas laws and rules relating to massage therapy.
License Requirements:
Age Requirement: Applicants must be at least 18 years old to qualify for a license.
Background Check: A background check is mandatory, involving fingerprinting for a national criminal history check. Background check ensures the safety and trustworthiness of licensed massage therapists.
Application Process: Complete the application form and submit it along with the non-refundable application fee of $100. The application must include proof of completed education, examination scores, and other required documentation.
For more information, see the website for the Texas Board of Massage Therapy.
Massage Therapy Schools in Texas
Texas, known for its rich cultural heritage and a vibrant mix of urban and rural landscapes, offers a wealth of options for those looking to start or advance their career in massage therapy.
From the bustling streets of Houston and Dallas to the scenic views of the Hill Country, the state is home to a variety of reputable schools that cater to different interests and specialties within the field of massage therapy education. Below are some well-established institutions from various regions across Texas, each offering unique programs and specializations:
Austin: Avenue Five Institute is celebrated for its comprehensive programs that cover a range of massage techniques and include clinical practice through internships, equipping students with diverse skills in massage therapy.
McAllen and Brownsville: South Texas Vocational Technical Institute provides a detailed program focusing on various massage modalities, including sports massage and spa therapies, along with essential soft skills training.
El Paso: Western Technical College offers a certificate program recognized by the Commission on Massage Therapy Accreditation, featuring specialties such as deep tissue, sports, and chair massage.
Dallas: Parker University is notable for its extensive curriculum, which includes both a certificate and an Associate’s degree in Applied Science, focusing on different massage techniques and general education classes.
Corsicana: Navarro College, part of the Texas community college system, offers a massage therapy certificate program that aligns with state requirements and includes a well-rounded curriculum.
Houston:
The Lauterstein-Conway Massage School, located in Austin, is renowned for its high-quality training and offers licensure programs and continuing education for experienced therapists.
Texas Health School and Houston School of Massage Therapy provide comprehensive courses with practical experience. Houston School of Massage Therapy also offers courses in English and Spanish, focusing on techniques such as Swedish massage.
Various Locations Across Texas: Vocational Training HQ lists several schools such as the Academy for Massage in San Antonio and Amarillo Massage Therapy Institute, among others. Each school provides the requisite 500-hour program covering essential topics like anatomy, kinesiology, and various massage techniques.
When choosing a school, consider factors such as curriculum, accreditation, hands-on training opportunities, enrollment requirements, costs, and schedules. Each school offers unique aspects, whether it’s a focus on specific therapeutic massage techniques, a comprehensive program that includes business and ethics training, or flexible scheduling to accommodate diverse student needs.
Maintaining your professional status as a massage therapist in Texas requires attention to timely license renewal. Here’s how you can ensure compliance and continuous practice:
Renewal Deadline: Keep track of your license expiration date, which occurs every two years from the date of issuance. Renewing your license before it expires is important to avoid any interruption in your professional practice.
Renewal Fee: The standard renewal fee is $75, subject to changes that may be implemented by the TDLR. This fee does not include additional online processing charges that may apply when renewing through TDLR’s online portal.
Online Processing: For convenience and to ensure immediate processing, renewals can be completed online. This method is recommended to facilitate a quicker response and update of your license status.
Late Renewal: To avoid extra charges, renew your license on time. Late renewals incur additional fees, increasing the overall cost and potentially complicating your professional status.
Background Check: A fingerprint-based national criminal history check is required at the first renewal. This critical step ensures the safety and professionalism within the massage therapy community. Be prepared to handle any associated fees with this process.
For the most current information and to complete and schedule your renewal, visit the Texas Department of Licensing and Regulation official website or directly access their online renewal system.
Continuing Education (CE) Requirements for Massage Therapists in Texas
To maintain the highest standards of practice, licensed massage therapists in Texas are required to complete continuing education (CE) courses regularly. Here’s what you need to know about the CE requirements:
CE Hours: Massage therapists must complete 12 hours of CE every two years to renew their licenses. This requirement helps ensure that practitioners stay informed about the latest developments in their field.
Hands-On Instruction: A specific portion of these CE hours must include hands-on coursework to boost practical skills. Given that Texas regulations can evolve, it is necessary for therapists to verify the current requirements to remain compliant.
Flexible CE Hours: The remaining CE hours can be accrued through different approved educational activities that contain a broad range of topics related to massage therapy, including ethics, business practices, or new techniques.
These requirements and exams are designed to keep massage therapists at the forefront of the industry, continuously updating their skills and knowledge to improve the quality of client care.
Staying Informed: It’s important for massage therapists to regularly visit the Texas Department of Licensing and Regulation (TDLR) website for the most current updates or changes in continuing education requirements. This proactive approach guarantees compliance and takes advantage of educational opportunities that further the professional growth and expertise of prospective massage therapists.
Staying Informed: It’s important for massage therapists to regularly visit the Texas Department of Licensing and Regulation (TDLR) website for the most current updates or changes in continuing education requirements. This proactive approach guarantees compliance and takes advantage of educational opportunities that further the professional growth and expertise of prospective massage therapists.Real Claims We've Covered for Massage Therapists
Mistakes happen, even to the most experienced massage therapist. That's where we come in.
Here are real examples of claims* where we've provided exposure protection for professionals just like you:
Back Injury - $112,194 covered
A client sustained nerve damage from massage techniques.
Covered by professional liability insurance
Allergic Reactions - $16,446 covered
A client experienced allergic reactions arising from the use of massage oils or lotions during a session.
Covered by professional liability insurance
Blisters from Cupping - $32,446 covered
A client experienced severe blistering from cupping.
Covered by professional liability insurance
Massage Table Accident - $175,100
A client hit their head when a massage table fell, causing them to hit their head.
Covered by general liability insurance
*Please note claim scenarios are for illustrative purposes only. Actual coverage is always determined by the carrier and based upon the policy language.
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.
When the Unexpected Happens, MMIP Has You Covered
See how Texas' most trusted massage therapy insurance protects practitioners across the Lone Star 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 Houston 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 Storm-Day Slip
A sudden North Texas downpour pushes water under your doorway and onto your lobby floor. Despite putting out a mat and a caution sign, a client rushing in while checking their phone slips and fractures their wrist. They’re now facing surgery, physical therapy, and weeks 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 San Antonio 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 Texas Practice Today
Join thousands of Texas massage therapists who trust MMIP for comprehensive, affordable protection. From the Gulf Coast to the Hill Country—DFW to West Texas—we've got you covered.
