Massage Therapy Liability Insurance
Protect your practice with general and professional liability insurance coverage. Potential medical bills and costly claims covered, all for one low massage therapist insurance cost.
Includes free and discounted online CEUs
Our insurance not only protects you financially but also supports your professional growth. This includes free and discounted online CEUs to keep your skills current and meet licensing requirements conveniently at no extra cost.
Coverage for claims made after policy expiration
Claims filed after your policy ends are still covered if the incident happened while your policy was active, protecting you from late-emerging issues.
Costs less than $12.50/month with the 2-year policy
Comprehensive coverage starts at less than $12.50/month on a 2-year plan, keeping your practice protected without straining your budget. This affordable option allows you to focus on your craft, knowing that your business is protected without straining your budget.
Covers over 500 modalities and disciplines
Whether you specialize in Swedish massage, deep tissue therapy, or unique modalities like aromatherapy or reflexology, our insurance has you covered. With protection extending to over 500 massage modalities and disciplines, you can confidently expand your offerings.
Massage Therapy Liability Insurance Limits
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.
Less than $14.50/month
$
169
/1yr
part-time policy
Perfect if you practice fewer than 10 hours
per week.
Less than $13.50/month
$
159
/1yr
2 year policy
Best value — secure two years of coverage and a lower annual rate.
Less than $12.50/month
$
299
/yr
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.
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.
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.
Trusted Reviews For Our Massage Liability Insurance Plans
Rest assured you and your career are protected with Massage Magazine Insurance Plus.
We're A-Rated (Superior) and backed by Arthur J. Gallagher.
per
"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
Liability Insurance for Massage Therapists
Like any "hands-on" profession that deals with public health, massage therapy involves risk.
Without a massage therapist professional liability insurance policy, a legal claim can cost an LMT a good reputation and thousands of dollars and may ultimately put a professional massage therapist out of business.
MASSAGE Magazine began as a family-owned business in 1985 and is now backed by industry titans Arthur J. Gallagher & Co. and an A+ rated (Superior) liability insurance for massage therapist company. We are still the same small team that has dedicated nearly 40 years to the massage & bodywork industry but our massage therapist liability insurance coverage and exclusive member benefits are now stronger and more dependable than ever.
We Are Rated as "Excellent"
Rated EXCELLENT on
Trusted by Over 200,000 Licensed Massage Therapists & Bodywork Professionals
1. Get Insured in Minutes With an Instant Certificate
In as little as 5 minutes, you will receive immediate massage insurance coverage and proof of insurance. As soon as you are insured, access to our free online continuing education units is available.
2. Massage Magazine Covers More Massage Modalities
We cover over 500+ massage modalities, including Deep Tissue, Fire Cupping, Reiki, Swedish Massage, Shiatsu, and many, many more.
3. Our Professional Liability Insurance Policy is More Affordable
Great coverage in massage therapy shouldn't cost an arm and a leg. We don't ever want price to get in the way of you having the liability protection you need. Our prices are more than 30% less than the competition.
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.
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.
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.
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.
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.
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 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.
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.
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.
About Our Professional Liability Insurance Policy for Massage Therapists
Massage Liability Insurance Coverage FAQs
How does the free continuing education program work?
Can a student in massage school get massage liability insurance?
Is mobile massage therapist insurance available?
What does massage liability insurance cover?
Can I add additional businesses or additional insureds to my policy?
How do I know if my modality is covered by Massage Magazine insurance?
Can I choose when my massage therapist insurance coverage starts?
What’s the difference between liability insurance for employees and independent contractors?
Do you offer monthly payment options?
How do I file a claim with the insurance company?
Does my policy cover both office and client homes?
How do I access my proof of massage therapist insurance coverage?
Does massage liability insurance include legal defense coverage?
Why do professional massage therapists need malpractice insurance?
Ready to Protect Your Massage Career Today?
Protect Yourself From Liabilities With These Risk Management Tips
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per 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. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202