Sports Massage
Liability Insurance
Protect Your Career with Sports Massage Liability Insurance
Sports massage therapy demands precision, pressure, and performance-focused techniques—often on active or recovering bodies. While your work helps athletes prevent injuries and accelerate recovery, it also carries real professional risk. A strained muscle, aggravated injury, or client dispute can quickly turn into a costly claim without the right coverage in place.
Sports Massage Liability Insurance from MMIP is designed specifically for massage therapists who work with athletic clients. Our policy protects you with both professional and general liability coverage, helping safeguard your career, income, and reputation—whether you practice in a gym, athletic facility, client’s home, or private studio.
MMIP offers one of the most affordable and flexible sports massage insurance plans available, with rates starting at $159/year for part-time therapists and $169/year for full-time professionals. Your coverage protects not only your hands-on techniques, but also your treatment space and day-to-day operations.
Trusted by massage therapists nationwide, MMIP gives you the confidence to focus on performance, recovery, and results—while we handle the risk protection behind the scenes.
Sports Massage Liability Insurance Cost
$169 - 1 Year
Our Sports Massage insurance policy is tailored to the needs of practitioners with years of experience. We provide perks and benefits other companies don't - like free CEs, coverage for more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work less hours? Pay lower rates. This Sports Massage liability insurance policy is for professionals who work fewer than 10 hands-on hours per week but still a want high-quality insurance coverage.
$299 - 2 Year
Protect yourself with our two-year Sports Massage liability insurance policy that saves you $39 over the course of your coverage. You get all the same perks and benefits as our standard policy and don't have to worry about a lapse in protection for two years.
Already insured & looking to renew?
What Our Sports Massage Insurance Covers
Sports massage therapy insurance from MMIP provides both professional and general liability coverage and additional safeguards that provide the best all-around protection possible.
Our Liability Insurance for Sports Massage Therapist Provide Coverage Under the Following Areas:
General Liability Insurance: This is also known as “slip and fall” insurance because that’s a common type of accident that causes a claim. When you open your doors and start receiving clients, you’re also opening yourself up to general liability. A client tripping over a loose front doormat and injuring themselves is an example of an event that would fall under this coverage type.
Personal & Advertising Injury Coverage: This coverage provides financial assistance to Sports Massage therapists if they become legally obligated to pay damages that arise from claims related to false advertising, libel, slander, or copyright infringement. For example, if your marketing materials inadvertently include false statements that damage another person's reputation, this coverage helps with legal and financial fallouts.
Professional Liability Insurance: Also called “malpractice coverage,” this protection is for the actual professional services you provide during a Sports Massage session. If a client reports an injury, they may seek legal action to get compensation. These types of claims would fall under professional liability.
Identity Theft Protection: Today’s Sports Massage therapists are exposed more than ever to the threat of a cyber incident stealing their personal data. If this occurs, our policyholders get all the way up to $25,000 in identity restoration services.
Exclusive coverage perks and benefits included
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 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.
Disciplines and Modalities We Cover
General And Professional Liability Limits
What is Sports Massage Therapy?
Sports massage therapy is a hands-on treatment focused on supporting athletic performance, recovery, and injury prevention. By using targeted techniques such as deep pressure, stretching, and muscle manipulation, sports massage helps improve circulation, reduce muscle soreness, increase flexibility, and relieve tension caused by physical activity.
Rooted in ancient practices dating back to Greece and Rome, sports massage has long been used by athletes to prepare their bodies for competition and recover afterward. Today, it remains a core service in gyms, athletic training facilities, rehabilitation centers, and wellness clinics, helping active individuals maintain peak physical condition.
Sports massage can address a wide range of physical concerns, including post-workout soreness, restricted mobility, chronic muscle tightness, and overuse injuries. Whether a client is training for an event, recovering from intense exercise, or aiming to stay active and injury-free, sports massage provides an effective, performance-driven approach to muscular health and recovery.
Do I Need Sports Massage Liability Insurance?
If you work with athletes or physically active clients, sports massage liability insurance isn’t optional—it’s essential. Many gyms, athletic facilities, and wellness studios require proof of coverage, and state regulations can vary depending on where and how you practice. Staying properly insured helps ensure you remain compliant while protecting your ability to work.
Beyond requirements, liability insurance safeguards you from the unexpected. Even with proper technique, a client could experience an injury, aggravated condition, or dissatisfaction with treatment results. Without coverage, legal fees, medical costs, or settlements could quickly become an out-of-pocket burden.
Sports massage liability insurance allows you to practice with confidence, knowing your career, income, and reputation are protected—so you can focus fully on helping your clients perform, recover, and stay active.
What Should I Look for in a Sports Massage
Insurance Policy?
Prioritize a policy that covers both professional and general liability, including a range of services like sports massage, Swedish massage, yoga, and cosmetology. Also, look for policies offering free continuing education, discounts, and flexible payment plans.
Our Sports Massage insurance policy checks all these boxes, making sure that every aspect of your practice is protected. With our specialized insurance policy, you'll confidently focus on providing exceptional care to your clients, knowing that you have complete and tailored coverage backing your professional journey.
Hear What Our Liability Insurance Policyholders Have To Say
When the Unexpected Happens, MMIP Has Sports Massage Pros Covered
See how trusted liability insurance protects sports massage therapists working with athletes at every level—pre-event, post-event, in clinic, and on the sidelines.
The Pre-Event Pressure Problem
Ten minutes before a race, you perform pre-event sports massageBrief, stimulating work aimed at warm-up—not deep tissue on a runner’s calf. The athlete later alleges you used excessive pressure that aggravated a strain, leading to a DNF and lost prize money, and they threaten a professional negligence claimAllegation that services fell below accepted standards.
MMIP’s professional liability helps with legal defense and eligible settlements—up to $2 million per occurrence—so one claim doesn’t bench your practice.
The Sideline Trip-and-Fall
During a halftime table session, a parent walking by a crowded sideline area trips over your gear bag and falls, fracturing a wrist and missing weeks of hand-intensive workJobs relying on fine motor skills are impacted by wrist injuries.
General liability addresses covered third-party injuries on your premises or event area—medical expenses, defense costs, and potential settlements.
The Taping or Cupping Reaction
Post-event, you apply kinesiology tapeElastic therapeutic tape for support and cueing and quick cuppingNegative-pressure technique sometimes leaving marks. The athlete reports blistering and visible discoloration that impacts a photoshoot and alleges improper technique and a product-related injuryReaction allegedly caused by materials used during service.
Where applicable, your policy can respond to covered allegations tied to your services or materials—helping with defense and eligible damages within limits.
The Locker-Room Post Gone Wrong
You share a locker-room photo of a pro client receiving post-event recovery work—face partly visible—without written consent. Their agent alleges invasion of privacy and unauthorized commercial useClaims tied to using someone’s likeness in marketing.
Personal and advertising injury coverage helps with certain covered privacy/publicity claims—supporting defense and eligible settlements so you can focus on athletes.
Protect Your Sports Massage Practice Today
Join thousands of practitioners who trust MMIP for comprehensive, affordable protection—covering pre-event, post-event, maintenance sessions, taping, cupping, and more.
Frequently Asked Questions
Massage therapy insurance is a specialized policy designed specifically to protect professionals in the massage services industry. It includes professional liability coverage, general liability insurance, and more, helping shield you from unexpected claims like personal injury or property damage. Whether you're using a massage table in a clinic or offering mobile services, insurance gives you peace of mind knowing you’re protected against the unique risks of your profession.
A quality policy will provide coverage for:
- Professional negligence during treatment sessions
- Slip-and-fall accidents (general liability)
- Claims related to false advertising, libel, or slander
- Cyber threats like identity theft
Our plan covers over 500 modalities and is designed specifically for the unique needs of massage therapists working in any setting.
The massage therapy insurance cost depends on your workload:
- Part-Time: $159/year (under 10 hands-on hours/week)
- Full-Time: $169/year
- 2-Year Plan: $299
These rates include instant coverage, professional liability coverage, and added benefits like free CE courses and identity theft protection—making it a truly affordable insurance option.
Yes. Even with the best intentions, things can go wrong. A client may experience discomfort, an allergic reaction, or a personal injury during a session, and you could still face legal claims. That’s why liability insurance coverage is essential even when you operate professionally and responsibly.
Your instant coverage begins the moment you purchase a policy online. You’ll immediately receive proof of insurance, allowing you to legally and confidently offer your massage services without delay.
Yes. Many employers or clients require independent therapists to carry their own professional liability coverage. If a client sues you directly, your employer’s policy may not provide coverage. Having personal insurance protects your reputation and financial future.
Absolutely. Our insurance company offers nationwide coverage across all 50 states. Whether you work on your own massage table, in a gym, or travel for events, you’re protected everywhere you legally operate.
In most cases, yes. If you’re a self-employed therapist or run your own business, the massage therapy insurance cost is generally considered a business expense. We recommend speaking with a tax advisor for personalized guidance.
Our policy is designed specifically for massage professionals. You’ll get affordable insurance, flexible plans, over 500 modalities covered, identity theft protection, and access to health benefits—all from a reputable insurance company trusted by over 200,000 therapists nationwide.
Yes. Whether you’re just starting out or have years of experience, liability insurance coverage is essential. It protects you against legal claims that could result from professional negligence, client injuries, or misunderstandings. Insurance isn’t just a precaution—it’s the backbone of a responsible practice in this industry.
