All-Inclusive Coverage Available For As Low As $16/mo

Bodyworker Insurance

Get insurance coverage from a company trusted by bodyworkers for over 30 years!

  • Professional & General Liability Insurance: $2 Million per occurrence; $3 million individual annual aggregate 
  • Product Coverage: $2 Million 
  • Stolen Equipment Coverage: $1,000 *$250 Deductible
  • Rental Damage Insurance: $100,000
  • Identity Protection Plan: $25,000 

Bodyworker Insurance Coverage Highlights

From day one, you get all of the following and so much more:

  • Free NCBTMB Approved CE Courses 
  • Free Professional Website
  • Exclusive Membership Discounts
  • Instant Coverage & Proof of Insurance
  • Professional & General Liability Insurance Coverage: $2 million per occurrence / $3 million individual annual aggregate
  • Product Coverage: $2 million individual annual aggregate
  • Stolen or Damaged Equipment Coverage: $1,000
  • Rental Property Damage Protection: $100,000
  • Identity Protection Plan: $25,000

Bodywork can be such a beneficial therapy to offer to clients. Through injuries and just everyday life, people can injure themselves or hold themselves in unnatural ways that can become painful. As a bodywork professional, you’ll be helping to address the body to effect relaxation and free up natural, free-flowing movement. 

Bodyworker insurance is how you can protect yourself from accidents and mishaps in this promising field. Without insurance, a bodyworker is risking their career, reputation, and personal finances. 

MASSAGE Magazine proudly provides liability insurance for bodyworkers so they can practice what they love with absolute confidence. As a family-owned business who’s backed by one of the largest insurance brokers worldwide, our sole mission has been supporting alternative health and wellness professionals for decades, and providing a great bodywork insurance policy at an affordable price is just part of who we are and what we do.

What is Bodyworker Insurance?

Bodyworker insurance is like a wall of protection that’s placed around your career. There are all kinds of risks with hands-on therapies. A client who is injured while under your care may decide to seek legal help to get the compensation they feel they deserve. Suddenly you’re getting letters from lawyers demanding you pay for medical bills, lost wages, and legal fees. 

Most bodyworkers are not prepared for the “what if” scenarios that unfortunately happen to professionals across the country. That’s where liability insurance comes in and can literally save the day. 

Why Do You Need Bodyworker Insurance?

The bodyworker insurance MASSAGE Magazine provides protects you in many different ways. The liability insurance portion is going to safeguard your career against liabilities. So, what’s a liability? Liability is being responsible for something under the letter of the law. Basic liability is pretty much everywhere. If you break something in the store, they may demand you pay for it so there’s even liability while shopping.

For bodyworkers, the stakes are so much higher. You are treating people who are usually in pain and trying to gain relief during your sessions. This therapy touts so many benefits but there’s still great risk involved for the professionals doing the work. That’s because the law says you can be held responsible if someone is injured or has their property damaged while they were coming to you for their session. 

As opposed to the costs of a potential claim against you, which could easily run into the millions, a MASSAGE Magazine bodywork policy that’s as low as $16 a month is a really small price to pay and a smart decision for professional protection.

How Much Does Bodyworker Insurance Cost?

Bodywork is all about promoting graceful movements so we designed our plans in the same light, to be easy and accessible for new practitioners. That’s why we offer several different ways to pay for a plan, including financing, so you can choose the perfect path for your own unique journey. 

  • Low Monthly Payments - pay monthly installments for your bodyworker insurance premiums when you choose the convenience of financing through our affiliation with PayPal Credit.
  • Pay Less Up Front - you can save money when you choose to pay your entire premium upfront. There’s a one-year option at $169 or you can lock-in a low rate of $145/yr when you select the two-year option that’s $289. Neither of these rates include any hidden or additional fees.
  • Special Student Pricing - bodyworker students still enrolled can get a steeply discounted rate of just $25 for the same great coverage.
  • Just the Benefits, Please - if you love all the benefits that come with the plan but aren’t ready to commit to a policy just yet, you can get a benefits-only option for just $49.

3 Types of Liability Insurance Every Bodyworker Needs

There are pretty much three main types of liability insurance that are vital to a stout bodyworker insurance policy: general, professional, and product liability coverage. Let’s break down how these protect you in the everyday. 

General Liability: 

General liability coverage is just that - general protection from a wide variety of different perils present in the industry. You might have heard general liability called “slip and fall insurance” since this is an accident that unfortunately is all-too-common. General liability covers you from third-party injuries and property damage that happen in and around where you offer bodywork services. 

Professional Liability:

Professional liability coverage is protection from the actual services you provide as a bodyworker. Professional liability insurance for bodyworkers is also sometimes called “malpractice insurance,” which literally means “bad practice” as a client is saying your service left them with a loss. Professional liability coverage protects you from third-party claims of injuries or property damage that happened as a result of the services you provided.

Product Liability:

Product liability coverage protects bodyworkers when a client suffers a bad reaction to a product that was introduced in the session. From massage oils to cleaning sprays, allergic reactions can happen from all kinds of products used and when severe, an allergic reaction can potentially be life threatening.

Benefits Boost: Perks That Come With Bodyworker Insurance

Benefits that you can use from the moment you sign up really amp up the value you receive for what you invest in your insurance plan. With MASSAGE Magazine, our decades in the industry have forged deep relationships with top names in integrative health and wellness. With that, we’re able to provide our members with exclusive access to fantastic deals on new products and services to help their practice thrive. But, we don’t stop there.

We also include over 55 hours of free NCBTMB-approved continuing education courses for all members. You can access this online learning curriculum at any point and utilize cutting-edge materials to earn CEUs faster and also retain more of what’s being taught. The programs are designed to be engaging and relevant by approved education providers. 

In addition, we provide vast libraries of curated content, education, news, resource centers, and more simply to provide the best support possible to our members and the health and wellness community at large. 

A Closer Look at How Policies Are Made

Getting into the details of a policy might seem tedious, but it can save major aggravation down the road when a “cheap” policy can suddenly lose its luster. Two of these areas include adding portability provisions and occurrence form coverage into our policies.

  • Portability: this provision says you can move from one employer to another or even move from one state to another and your insurance policy follows you every step of the way. Other policies can charge fees to move your coverage or can even drop you altogether. 
  • Occurrence form: this provision can mean the difference between full coverage and none at all depending on the timing of a claim. If you’re getting close to the end of your policy, and you have an accident but then don’t actually file a claim until after the policy expires, some policies say you’re simply out-of-luck. Occurrence form says since the event occurred while the policy was active, it doesn't matter if you wait a second to file your claim, and even if your policy has since expired you can still go back and file. 

Covering More Bodywork Methods

At present, we cover more than 450 different modalities of massage modalities including bodywork, deep tissue, cupping, and literally hundreds more. We find that many members enjoy employing different techniques during a single session so provide full coverage for the widest variety of modalities. 

Still in School? We Have Options Just for Students

Students that are still learning the bodywork profession have the opportunity to sign up for a special students-only insurance plan that’s only $25. This program provides the same great coverage just at a discounted rate to give the next generation the best start possible. 

Bodyworker Liability Insurance

Apply in Minutes with No Long Questionnaires - Really!

Know what you’ll pay upfront, no matter where you live, with no long questionnaires. Seems like a bodywork insurance dream, right? Well, we make insurance dreams realities by offering an easy application process that takes just a few minutes to complete. As soon as you’re done, you’ll enjoy complete coverage with full access to everything the plan provides.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection Plan Association, Inc. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc.  is the insurance partner for Massage Magazine and Protection Plan Association, Inc. members. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Massage Magazine Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Massage Magazine Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Massage Magazine Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Massage Magazine Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc., Protection Plan, Inc or Massage Magazine Insurance Plus are insurers. 820 A1A N Highway, Suite W18 Ponte Vedra Beach, FL 32082