Spa Liability Insurance You Can Trust
Protect Your Career with Unmatched Liability Protection
As a spa professional, your work is all about helping clients look and feel their best. But accidents happen, and even the most skilled professionals can face unexpected claims. That’s why having spa and salon liability insurance is extremely important. Whether you’re a massage therapist, bodyworker, wellness practitioner, hairstylist, esthetician, or nail tech, our spa insurance coverage protects you from legal and financial risks so you can focus on your clients with confidence.
Many spa employees assume their employer’s business owners insurance policy has them fully covered, but gaps in coverage could leave you personally liable for client injuries, allergic reactions, or unexpected claims. Don’t leave your future to chance—get covered today with a policy built specifically for spa professionals.
How Much is Spa Insurance?
We provide affordable spa insurance plans that cater to both full-time and part-time spa professionals.
Get immediate spa liability insurance coverage today!
1 Year
Professional Rate
Our most popular policy option, built for the full-time professional.
$169
2 year
professional rate
Save $39 when you purchase a 2-year Spa insurance policy and worry about renewals half as much.
$338
$299
1 year - part-time
professional rate
Only practice in a spa part-time? Save $10 on one year of coverage with our part-time professional rate.
$169
$159
Why Choose Our Spa Insurance
We offer honest, dependable, and affordable liability insurance for spa professionals at just $169 per year for full-time pros and $159 for part-time professionals. Part-time professionals includes those who work hands-on with their clients fewer than 10 hours per week. Our liability insurance for spa professionals offer extensive coverage and peace of mind.
We were fed up with insurance companies offering complicated policies that didn’t have their members in mind, so we decided to create a one that did. That's why our policy automatically covers over 500+ techniques and modalities, including everything from deep tissue massage to hot stone, follows spa professionals across all 50 states, includes over $1,800 in member benefit savings and access to 50 hours of free online continuing education courses.
New to spa liability insurance? Visit our resource center for a beginners guide to insurance.
Our Spa Liability Insurance Limits
1 Additional Insured: $10 | Unlimited Additional Insureds: $30
Some spa insurance policies will offer different limits based on your full-time or part-time status. This would mean that if you are a part-time spa professional, you may have less coverage than a full-time one.
We don’t believe in offering different coverage limits so all our policies have the same limits. Full-time, part-time, or a student, all members enjoy the same great coverage. Our affordable 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.
What Our Liability Insurance Reviews Say
Although I primary teach yoga, I'm so glad to have found Massage Magazine Insurance Plus over 10 years ago now. They were recommended by my yoga school because the policy covers both yoga and massage therapy.
Sonya Jordan
Yoga Teacher
I like that I’m paying for a good quality policy knowing that I’m covered for the unexpected. I also really appreciate the affordability of my insurance coverage and how easy my massage insurance is to renew.
Norma Harvey
Massage Therapist
As a professional teacher, I feel comfortable and reassured that if someone needed special attention, that I am covered. I appreciate how affordable this policy is and how much it covers. That's why I've been insured with MMIP for over 10 year now.
Douglas Goodbee
Professional Instructor
MMIP has always been great with their customer service by answering questions in a professional and timely manner. Anytime I have to add an additional insured, MMIP has made it extremely quick and easy transaction. I am very grateful for the service I have received the past 12 years.
Justina Hopkins
Myoskeletal Specialist
Spa Insurance At
The Lowest Cost
Our spa liability insurance stands out by offering complete professional coverage and valuable freebies for your practice. MMIP provides the most affordable and beneficial liability and malpractice insurance, including identity protection at no extra cost.
With MMIP, you get peace of mind knowing you’re fully covered at the lowest cost. As a spa professional serving others, you deserve reliable insurance to protect you in the event of an unexpected lawsuit—because even the best therapists may face legal challenges.
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What is Spa Insurance?
You can think of spa liability insurance as a safety net for your money and career. Though you may never face a lawsuit over your career, it could be life-changing if you do. While you certainly could go without a safety net, this could put you in a financially vulnerable situation if something goes wrong. Without spa insurance coverage, you could be solely responsible for paying the costs of a claim against you.
Insurance for spa professionals protects you from the liability, or risk, of having to cover claim expenses yourself. With MMIP, our insurance covers the two biggest forms of liability (professional & general), and also a slew of other professional risks. Our members can rest assured they are covered from all sides.
Massage Therapy Insurance Glossary of Terms
Liabilities are the reason you need insurance. These things could go wrong and cause harm to another person. As a massage therapist, a liability typically involves a risk to your clients in some way. You can think of a liability as something for which you could be sued. There are different types of liabilities that require specific coverage. (We’ll cover more on that later).
A professional liability is a risk that comes from your specific occupation. This type of liability is commonly known as “malpractice” or “errors and omissions” liability. As a professional massage therapist, you have a duty of care to your clients. When you make a mistake or forget to do something that results in your client’s harm, that is a professional liability. A professional liability implies that there is an active party at fault, either through commission or omission.
General liability is not specifically related to your profession and can happen in any industry. These are risks that may cause harm or physical distress through lack of care, poor environments, or non-specific hazards to your clients. General liability is often called “slip and fall” liability, as these are common incidents.
An aggregate is the coverage amount that a massage liability insurance policy offers. This figure is the maximum amount that an insurance policy will cover for its policyholders. Typically, the aggregate is in yearly increments, so the policyholder can know how much coverage they will have annually.
This is the coverage limit for each incident. Should you have multiple incidents in a year, each occurrence will have a set limit for how much the insurance company will cover.
This one is a little tricky. Occurrence form coverage means that your policy provides liability coverage for incidents that occur during the policy term. Even if a client files a claim after the policy is no longer active, you would still be eligible for coverage if the incident occurred within the policy term. Occurrence form coverage is the opposite of claims-made insurance, which only covers you if the incident occurs AND the claim is filed during the insurance policy term.
Benefits of Our Insurance Plans For Spa Professionals
With any purchase, we expect to receive clear benefits. Spa insurance is no different, but the advantages can vary greatly between providers. To help, we’ve broken down the key benefits of spa insurance coverage into three categories:
Liability Protection
The most critical aspect of any spa liability insurance plan is protection from liability. Accidents happen unexpectedly—a client tripping on an area rug, for example, could lead to a multi-million-dollar lawsuit against your spa practice. Having general and professional liability protection with strong policy limits ensures you’re covered when legally obligated to pay damages.
Additional Risk Mitigation
Comprehensive insurance goes beyond major liabilities to address everyday risks. MMIP’s spa insurance coverage includes medical expenses, lost wages, and identity theft recovery. It also covers specific services, like hot stone massage, which carry unique risks. This ensures you’re fully protected, even when legally obligated to handle unforeseen claims.
Member Benefits
The most appreciated part of a plan is its member benefits, which maximize your investment. Not every policy offers substantial perks, and some make it hard to understand what’s included. MMIP clearly outlines benefits, offering members industry-exclusive discounts valued at over $1,800, including 50 hours of free continuing education, and specialized coverage for hot stone massage.
Choosing the Best Insurance Plan
Choosing the right plan means balancing coverage, benefits, and pricing to find the best fit. That’s why we’ve created this guide to help you evaluate the top programs and choose the best one for your spa practice.
Who Is Massage Magazine Insurance Plus?
MASSAGE Magazine developed Massage Magazine Insurance Plus to provide a liability insurance policy that covers dual practitioners in the health and wellness industry across all 50 states.
Now backed by Arthur J. Gallagher & Co., we are able to provide our members with all-inclusive insurance coverage that's more dependable than ever but is still operated by the same team who has been serving the massage and bodywork industry since 1985.
Ready to Protect Your Career?
Ready to protect your spa career? Get spa insurance today and see why we are the preferred choice for many professionals.
Don't wait—protect your career with the best liability insurance for spa professionals.
Top Spa Insurance Company Comparison Chart
| AMTA | ABMP | Massage Magazine Insurance Plus | Hands on Trade | Beauty and Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Identity Protection Coverage Included? | |||||
| Health, Dental & Vision Coverage Access Included? | |||||
| Free Continuing Education Included? | |||||
| Student Insurance Options? | |||||
| Is Instant Coverage an Option? | |||||
| Unlimited Additional Insureds? | |||||
| Covers Massage, Yoga, Esthetics and Cosmetology? | |||||
| Includes Member Benefit Discounts? | |||||
| Monthly Payment Options? | |||||
| Personal Injury & Advertising Coverage Included? | |||||
| Price | $235/yr | $199/yr | $169/yr | $185/yr | $96/yr |
*For customers in the state of Indiana and Minnesota professional liability limits are increased to $2 million per occurrence and $6 million annual aggregate for massage therapy services only; General liability limits are increased to $2 million per occurrence and $6 million annual aggregate for massage therapy services only.
