Massage Therapy Liability Insurance

Protect your practice with general liability insurance and professional liability insurance coverage. Potential medical bills and costly claims covered, all for just $169/year.

liability insurance for massage therapists Liability insurance policy Limits

Massage Therapy Liability Insurance Limits

  • Professional & General Liability: $2,000,000 per occurrence / $3,000,000 annual aggregate
    • Provides coverage for covered claims arising from massage therapy services (professional liability) and third-party bodily injury (general liability)

  • Personal Injury & Advertising Coverage: $2,000,000 annual aggregate 
    • Provides coverage for covered personal and advertising injury claims, such as certain privacy or marketing-related allegations

  • Identity Protection Coverage: $25,000 
    • Includes identity protection benefits for eligible identity theft–related expenses.

Free & Discounted Online NCBTMB CEs

30 Days of Free Professional Online Therapy

Over $1,800 in Industry Discounts

Identity Theft Protection Plan

1 year policy

Save more money by paying this total first year introductory rate.

$

169

/1yr

  • Covers over 500 modalities and disciplines
  • 50 hours of NCBTMB-approved CEUs
  • Over $1,800 in exclusive policyholder discounts
  • Coverage for claims made after policy expiration
  • Identity theft protection
2 year policy

Best value — secure two years of coverage and a lower annual rate.

$

299

/yr

  • Save $39 compared to renewing annually
  • Includes the same coverage limits and policy benefits as our standard plan.
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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.

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Top-Tier Financial Strength

Massage Magazine Insurance Plus is backed by carriers rated A (Excellent) by AM Best—an independent global credit rating agency—ensuring reliable coverage and long-term financial stability.

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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.

Reviews For Our Massage Liability Insurance Plans


Trusted by 200k Professionals for massage insurance

Trusted by Over 200,000 Licensed Massage Therapists & Bodywork Professionals

Rated EXCELLENT on

trustpilot2

"Going on multiple years as a member. Very happy with insurance coverage, support, and CEU courses. Several options of coverage are offered as well."

JAYME

Massage Therapist
March  2025

"Easy to sign up. Get the coverage so you have peace of mind. It's totally worth the money. Very reasonable. You can't not have it!"

SUZETTE

reiki practitioner
April 2025

"I have held insurance with this carrier my entire career from 2000. It has always been a seamless process to renew with reminders and ease of updating and paying. It covers the many modalities that I use for bodywork and my Yoga and Movement practices."

KELLY

Energy Healer
May 2025

How Fast Can I Get Massage Therapy Liability Insurance?

In as little as five minutes, you can receive immediate massage therapy liability insurance coverage and an instant proof of insurance certificate. Coverage begins once you complete enrollment. Free online continuing education benefits are available once insured.

Instant coverage and proof of massage therapist liability insurance
500 modalities covered with our professional liability insurance for massage therapists

What Modalities Are Covered Under Massage Therapy Liability Insurance?

Massage Magazine covers more than 500 massage and bodywork modalities, including Deep Tissue, Swedish Massage, Shiatsu, Reiki, Hot Stone Massage, Fire Cupping, and many others. View the complete list of covered modalities to confirm your services are included.

⚡ Real Protection for Real Situations

When the Unexpected Happens, Massage Magazine Insurance Has Therapists Covered

See how trusted liability insurance supports massage professionals across the U.S. with coverage built for real-world practice—whether you work in a studio, spa, clinic, or on the go.

$2M
Professional Liability Coverage
500+
Bodywork & Wellness Modalities Covered
$12.50
Cost Per Month
A+
BBB Rating
💆
Texas

The Post-Session Soreness Claim

After a focused deep tissue session, your client reports expected tenderness. Two days later, they experience significant soreness and reduced range of motion, then allege your work caused an injury. They’re requesting reimbursement for medical visits and hinting at a professional negligence claim.

Professional Liability Protection

Your Massage Magazine Insurance professional liability coverage activates to provide the means for legal defense and to cover eligible settlements or judgments—up to $2 million per occurrence—so you can keep serving clients while the matter is handled appropriately.

📱
New York

The Testimonial Consent Mix-Up

You share a glowing client text on Instagram—screenshot, first name, and city—without written permission. Days later, you receive a demand letter alleging invasion of privacy and unauthorized commercial use.

Personal & Advertising Injury Coverage

Your policy includes protection for covered personal and advertising injury claims, including certain privacy allegations. Massage Magazine Insurance provides financial protection and the means for legal defense, helping you address the situation and move forward.

🪨
Colorado

The Studio Trip-and-Fall

You host a small relaxation workshop at your studio. As attendees settle in, one participant catches their foot on a floor bolster and falls, resulting in a fractured wrist. They’re now facing surgery, therapy, and weeks away from hand-intensive work.

General Liability Coverage

General liability responds to covered third-party injuries that occur during your sessions, events, or on your premises. From medical expenses to legal costs and potential settlements, Massage Magazine Insurance helps keep one accident from derailing your practice.

🧴
Florida

The Product Allergy Reaction

A new client requests light Swedish work. You use a hypoallergenic lotion, but later that evening they develop a rash and swelling. The client alleges the product used during the session caused a reaction and seeks reimbursement for urgent care, prescriptions, and time off work.

Professional Liability Protection

Your Professional Liability coverage provides protection for liability resulting from client injuries caused while using products within the scope of your professional licensure (for example, an allergic reaction to lotion used during a massage). The policy does not cover the sale, distribution, or manufacturing of any products.

Protect Your Massage Practice Today

Join thousands of therapists who trust Massage Magazine Insurance for comprehensive, affordable protection—wherever you practice in the U.S.

A+ BBB Rating
🛡️A-Rated Carrier
Instant Coverage
🎓50 Free CE Hours

What Our Professional Massage Liability Insurance Policy Includes

Malpractice Insurance for Massage Therapists FAQs

What is the difference between professional liability and general liability insurance for massage therapists?

Does a Massage Liability Insurance Policy Include Free Continuing Education?

Can a student in massage school get massage liability insurance?

Does Massage Therapy Liability Insurance Cover Mobile Massage?

Can I add additional businesses or additional insureds to my policy?

Can I choose when my massage therapist insurance coverage starts?

What’s the difference between liability insurance for employees and independent contractors?

Ready to Protect Your Massage Career Today?

Protect Yourself From Liabilities With These Risk Management Tips