Massage Therapy Liability Insurance

While any individual therapist wishing to take part in our rich library of therapist-designed online education can purchase standalone access, these NCBTMB-approved courses are included free with our massage therapy insurance policy. Courses are presented in easily-accessible online formats that brings the content to life for massage therapists and affords the ability to go at whatever pace is convenient. Start, stop, and pause wherever you need to; the platform saves your progress leading up to an online exam. Once the exam is complete, you’ll receive instant proof of completion.

Absolutely! Students can purchase an individual insurance plan with all of the same benefits as our professional policies for just $49 for a year. A great option is to wait until you are nearing graduation before purchasing the student policy. Then, you protect almost the entirety of your first year of professional practice for a reduced rate.

Definitely. Whether you want to provide services at a massage suite, at private events, or in the mall, our massage insurance policy is fully portable through all 50 U.S. states. This means your coverage follows you know matter where you choose to perform your services.

The best policies for massage therapists need to have generous, prudently-set coverage limits for the most common types of claims that befall the industry. General and professional liability claims are by far the most common types of claims filed with massage insurance providers. These areas should be well apportioned for, but not overly so, such that you’re paying for something you’ll never use. A good policy should also include additional protections as part of an encompassing risk management plan, such as an identity protection plan. Our bodywork insurance policies include all of these additional protections all at one, flat rate. 

Many professionals find it necessary to add additional businesses to their policy. If you’re an independent massage therapist traveling to different massage businesses, the cost of adding all of these businesses can add up for most carriers. That’s why we offer the convenience of an unlimited additional business package for just $30. You can also purchase a single additional business for $10 for 1 year and $15.95 for a two-year term. 

We provide coverage for more than 450 different massage and wellness modalities so that our members can enjoy the freedom of incorporating into their sessions whatever modalities are most beneficial to the client.

Absolutely! You can buy your policy now and select a start date up to three months later. For example, if you buy on April 1 but need coverage starting May 25, simply set May 25 as the start date when you check out.

Certain massage insurance programs will have different pricing and different rules for employees versus independent contractors.

As such, if you were to purchase an annual policy as an employee, but switch mid-year to an independent contractor position, you may unwittingly negate your insurance coverage.

Be sure to ask what may happen should you have a change in positions to make sure it won’t affect your coverage. You would be better served by a policy that does not have a distinction between employees and independent contractors.

Yes, you can take advantage of monthly payments through PayPal's Pay Monthly credit plan. However, we recommend paying in full upfront to avoid a credit check. PayPal splits your policy cost plus a small service fee into manageable monthly payments. This option requires a credit check, and there’s no interest if you pay it off within the first six months. After six months, interest may apply.

Filing a claim is straightforward. Just email our Operations Team at sarasota.bsd.operations@ajg.com to initiate the process. They’ll verify your coverage and provide a Claim Summary Form for you to fill out. Additional documents may be requested based on your situation. We’ll take care of the rest.

Yes, you’re fully covered in both locations. Our insurance policy follows you wherever you practice, whether it's in your office or at a client's home. As long as you're complying with local/state regulations, you’re covered in all 50 states.

You can download your certificate of insurance by logging into your member portal and navigating to the "Certificate of Insurance" section. If needed, you can also call us, and we’ll email it directly to you.

To add an additional insured, give us a call at 800-963-9573.