All Inclusive Massage Liability Insurance

Get A-rated massage insurance that covers you wherever you practice. We've bundled everything you need into one incredibly comprehensive policy at one unbelievably affordable price.

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Easy monthly payment options starting at $12.74

Occurrence Icon

Occurrence-form for complete protection

Modalities Icon

450+ modalities covered including hot stone & cupping 

Mobile coverage so you an practice anywhere without worry

Three Great Massage Insurance Options

Our policy options are designed to cover massage therapists through every phase of their career from school to practice buiding and onto established practice growth.  


1 Year (12 mo)



2 Year (24 mo)



1 Year (12 mo)


Liability Insurance Highlights

Massage Insurance Coverage

No matter how many years you've been practicing, bad things can happen and it's better to be prepared rather than left without protection in the event of a lawsuit.  Even if you work in a spa or franchise having your own insurance can ensure that if you need it there's someone there to put YOU first.  

In addition to A-rated liability insurance we offer all our members a free website, stolen equipment coverage, theft protection, and tons of discounts on massage equipment,  massage software, continuing education and more.

No waiver or education requirements needed for coverage.

Coverage Details

  • Professional/General Liability: $2 Million per occurrence / $3 Million annual aggregate
  • Product Coverage: $2 Million annual aggregate
  • Damage to Rental Premises: $100,000
  • Identity Protection Coverage: $25,000
  • Stolen Equipment Coverage: $1,000 w/ a $250 deductible
Modalities Icon

450+ Modalities Covered—No Extra Cost

For one price, you’re covered for over 450 massage, beauty, & yoga modalities like hot stone, cupping, esthetician services, reiki, sound healing, kinesiology and more. See all ›

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Coverage that Follows You

Whether you work in a spa, a corporate office, your home, a client's home, outside, or a rented space, you can rest easy knowing your policy is right there with you. Plus get an instant certificate and proof of insurance as soon as you checkout.

Member Benefits

Member Benefits

Get free member benefits such as an easy-to-customize website, discounts on massage scheduling software from ClinicSence, free continuing education, 20% off at Custom Craftworks and Rocktape, up to 75% off at Office Depot, and many more!

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Insurance Marketplace

Get access to affordable health care, vision and dental. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365 via telephone, video, or mobile app—with only a $10 copay. 

$700 In Member Benefits Included

Massage Magazine Insurance Plus policies include exclusive member benefits such as discounts to your favorite massage brands, free continuing education, a free website, preferred group rates on insurance plans, discounts on business resources, and savings on everyday expenses.

Invest In Your Future,
Trust in Our 35-year Past

MASSAGE Magazine, a publication with over 35 years of trust in the industry, developed Massage Magazine Insurance Plus (MMIP) to provide a single, national massage liability insurance policy for health, wellness, and beauty professionals.

No matter the discipline, you need professional liability insurance that protects you in the event of a lawsuit. Our massage insurance is priced up to 30% lower than most other policies PLUS we offer the most comprehensive coverage and benefits around—all at no extra cost to you.

Trusted Since 1985

Stay Protected with an Occurence-form Policy

We Offer The Industry-Preferred Type of Coverage

Massage Magazine Insurance Plus offers the industry-preferred Occurrence Form liability coverage and individual aggregate limits that protect you from claims that may arise. Combined with our high insurance limits and superior customer service, our massage insurance gives you the peace of mind that you are protected and if anything does happen, we've got your back.

Occurrence Form Policy

Occurrence Form is the industry-preferred policy type over Claims Made because you are covered for any incident that occurred while your policy was in effect. We offer the Occurrence Form policy so that our customers can rest easy knowing they're protected even if their clients delay making a claim.

Individual Annual Aggregate

We offer individual limits, meaning your policy will protect you up to the amount listed on your policy. Every insured person will have their own coverage, and the claims that others make will not affect the individual coverage amount available. This is unlike shared limits where when the group shared limit is reached for the policy year, anyone who files a claim afterwards will not be covered under their individual limits.

Have Peace of Mind

What People Are Saying About MMIP

Massage Magazine Insurance Plus got our back
Renewing your massage insurance has been super easy, and i love how they continuously provide and improve Continued Education materials and it’s included in the price. It’s nice knowing that at the end of the day after we care for our clients, Massage Magazine Insurance Plus got our back ! 


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:)


Highly recommended
Awesome massage liability. Prompt and thorough customer service. Continuing education credits included with membership. Just makes sense to use them for coverage.



Rated Excellent by Trustpilot

Need to Weigh Your Insurance Options?

Compare massage liability insurance in the grid below:



Occurrence-Form Coverage Yes Yes Yes
Professional Liability Insurance
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
($10 Million Shared Limit)
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
General Liability Insurance
(Trip & Fall)
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
($10 Million Shared Limit)
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
Products Individual Annual Aggregate
$6 Million
($10 Million Shared Limit)
$6 Million
$2 Million
CE Hours Included
Hour Qualification
500 hours
500 Hours—Prof. or Certified
100 Hours—Practitioner level
No Hours Required for Insurance
Required CE hours
48/4 Years
16/2 Years Certified Level
No Hours Required for Insurance
Rental Damage Coverage
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply
$100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply
Stolen Equipment Optional—Add $100 Optional—Add $95 $1,000  *$250 deductible
Identity Protection Plan Optional—10% Discount on Lifelock No Yes
Annual Fee
$235/yr Professional
$89 first-year Graduate Rate
$199/yr Professional
$229/yr Certified
$139/yr Professional
$25 first-year Student
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources, such as No guarantee or assurance is made by MMIP as to the accuracy or completeness of this information. Get Covered
Occurence-Form Coverage
CE hours Included
Hour Qualification
Required CE hours
* *
Stolen Equipment
Identity Protection Plan
Annual Fee $235 $199/$229 $139
Get Insured
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources, such as No guarantee or assurance is made by MMIP as to the accuracy or completeness of this information.

* For customers in the state of Indiana professional liability limits are increased to $2 million per occurrence and $6 million individual annual aggregate for massage therapy services only; General liability limits are increased to $2 million per occurrence and $8 million individual annual aggregate for massage therapy services only.

Explore All 450+ Modalities We Cover

  • Massage

  • Yoga

  • Fitness

  • Beauty

Active Isolated Stretching
Active Myofascial
Ai Chi
Alexander Technique
Amma Therapy
Animal Acupressure
Animal Massage
Anma Therapy
Applied Kinesiology
Aqua Massage
ARC Technique
Aroma Freedom Technique
Aroma Reflex Therapy
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Asian Bodywork Therapy
Aston Patterning
Asymmetric Body Balancing
Asymmetric Body Balancing Attunement
Ayurvedic Massage
Bach Flower Remedies 
Bach Flower Remedies - Topicals
Balinese Massage
Bamboo Fusion
Barbara Brennan Technique
Barefoot Shiatsu
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Berry Method
Bindegewebs Massage
Bio Touch Healing
Biodynamic Craniosacral Therapy
Bioenergy Massage
Biomagnetic Touch Healing
Biosonic Repatterning
Body Image Enrichment
Body Logic
Body Talk
Body Wraps
Body-Mind Centering
Bodywork for the Childbearing year
Bonnie Bainbridge
Bonnie Bainbridge Cohen System
Bowen Technique
Breast Massage
Breathing Techniques
Breema Breathwork
Bridgewebs Massage
Canadian Deep Muscle Massage
Cayce/Reilly Massage
Chair Massage
Chi Gong
Chi Nei Tsang
Chikly Brain Curriculum
Chinese Massage
Chubinsky Method
Classical Massage
Cohen System
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
CORE Bodywork
Core Energetics
Corepower Yoga
Cranial Release Technique
Cranial Soft Tissue Release
Craniosacral Therapy
Critz Technique
Cross Fiber Massage
Crystal Therapy
Cyriax Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Eden Energy Medicine
Egoscue Method
Emotion Code
Emotional Freedom Technique
Energetic Transformation
Energy Balancing
Energy Healing Techniques
Energy Kinesiology
Equine Massage
Equine Reiki

Equirub Equissage
Esalen Massage
Essential Oils Massage
Facial Massage
Fascial and Membrane Technique
Feldenkrais Method
Feng Shui
Fertility Massage
Figian Massage
Fijian Massage
Fire Cupping
Five Element Shiatsu
Forearm Dance Technique
Four-Hand Massage
Full Spectrum Energy Medicine 
Functional Range Release
G-Jo Acupressure
Geriatric Massage
Gua Sha
Hama Massage
Hand Reflexology 
Hannah Somatic Education
Hawaiian Bodywork
Healing Touch
Hemme Approach
Hoffa Massage Technique
Holistic Massage
Holotropic Breathwork
Hoshino Therapy 
Hot Stone Massage
Hot Towels
Hydrocollator Hotpacs
IGM Method
Indian Head Massage
Infant Massage
Injury Massage
Innovative Pet Therapy
Insight Bodywork
Integrated Awareness
Integrated energy Therapy
Integrative Accupressure
Integrative Eclectic Shiatsu
Internal Organ Massage
Intra-Oral Massage
Ionic Footbath
IP Touch
Jamu Massage
Japanese Shiatsu
Jin Shin Jyutsu
Kinesiology Taping
Kripalu Bodywork
Kriya Massage
Kurashova Massage
LaStone Therapy
Lava Shell Technique
LED Lights
LHE Phototherapy (no lasers)
Light of Life Energy
Longevity Energetics
Looyen Work
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Lymphedma Therapy
Macrobiotic Shiatsu
Magnet Therapy
Manual Massage Therapy
Manual vacuum Cupping (silicone/plastic/vacuum machine)
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Mechanical Link
Medical Massage
Medical Qigong Therapy
MELT Method
Mennell Massage Technique
Merciér Therapy
Micro Needling
Mother Massage
Multireflexology - Dien Chan
Muscle Activation Technique
Muscle Energy Technique
Myofascial Release
Myoskeletal Alignment Technique
Nepali Massage
Neural Manipulation 
Neuromuscular Reprogramming
Neuromuscular Therapy
New Manual Articular Approach
Nidra Yoga

Niel-Asher Technique
Nuad Bo’ Rarn
Nurse Massage
Okazaki Restorative Massage
On-Site Massage
Oncology Massage
Orthopedic Massage
Pediatric Massage
Percussion Massage
Pet Massage
Pfrimmer Deep Muscle Therapy 
PNF Stretches
Polarity Therapy
Positional Release
Postural Integration 
Practical Movement
Pranic Healing
Pregnancy Massage
Prenatal Massage
Process Acupressure
Push Therapy
Raindrop Therapy
Range of Motion
Rapid Neurofascial Reset
Raynor Massage Therapy
Reconnective Healing
Reflexology Instruction
Remedial Massage
Rolfing Structural
Rosen Method
Rossiter Stretching
Rossiter System
Rubenfeld Synergy Method
Russian Massage
Rys Thomas Energy Medicine 
Sabai of Sa-wan Therapy
SacroOccipital Technique
Safe Touch Massage
Schulman Therapy
Sculpt Yoga
Seated Massage
Sensory Repatterning
Shen Jing Acupressure
Shiatsu Amma Therapy
Soma Neuromuscular Integration
Somatic Therapy
SomatoEmotional Release
Sound Healing Sound Therapy
SourcePoint Therapy
Sports Massage
St. John Neuromuscular Therapy
Steamy Wonder System
Stone Therapy
Stretching Techniques
Structural Energetic Therapy
Structural Integration
Sugar Scrub
Swe-Thai Massage
Swedish Massage
Tai Chi
Tapping Techniques
Tellington Touch
Temporomandibular Therapy
Thai Herbal Compress Technique
Thai Massage
Thai Yoga Massage
The Healing Code
Therapeutic Touch
Therapy- The Diamond Method
Theresa Primmer Method of Deep
Thumper Massage
Tian Di Bamboo Massage
Tibetan Massage
Tim Tam
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trager Work
Trauma Erase
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Tuning Forks
Vedic Massage
Venus freeze
Vibrational Healing Massage Therapy
Visceral Manipulation
Warm Bamboo Massage
Wurn Technique
Yamuna Body Rolling
Yuen Method
Zen Shiatsu
Zero Balancing
Zone Therapy

Masage Insurance Frequently Asked Questions

Do you have questions about massage liability insurance in general? Or maybe questions about the coverages, details, and benefits offered by Massage Magazine Insurance Plus massage liability insurance? We’re here to help. Take a look at some of the most frequently asked questions.

Why is a policy with an individual annual aggregate better than a shared annual aggregate?

Is there an extra charge for practicing more than one modality?

How soon will my coverage take effect?

What does my massage liability insurance not cover?

How do I add an additional insured to my policy?

After I have stopped practicing, am I still covered?

Who is MASSAGE Magazine Insurance Plus?

Can I add other massage therapists to my massage insurance policy?

Do you cover injuries encountered by hot stone services?

Is there a limit to the number of your free CEs I can take advantage of?

What is the difference between the types of liability coverage included in a massage liability policy? 

Am I required by the state to get massage insurance?

Is Reiki covered under my massage insurance policy?

Are there different levels of massage therapy insurance coverage?

After I have stopped practicing, am I still covered?

If a client falls off my massage table what does my policy cover?

Am I covered internationally by my policy?

Whether I practice in a spa or a client’s home does my policy protect me?

How do I renew my massage liability insurance policy?

Does Massage Magazine Insurance Plus offer an incentive for referrals?