Compare busines insurance for massage therapists |

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Compare business insurance for massage therapists

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As a massage therapist, you could be accused of medical negligence, false advertising, client injuries or even misconduct. Business insurance can cover the risks that are relevant to your massage therapy business. However, for the best protection, you might need several different types of coverage or an all-inclusive package tailored to the services you offer.

Do massage therapists need business insurance?

Yes, massage therapists should consider insurance because this therapy is considered a form of healthcare. Since clients are putting their physical care in your hands, you bear multiple risks to your business and reputation.

Those risks include liability for patients’ injuries, wrong advice, incorrect medications prescribed or claims of negligence. To avoid legal expenses, you can buy wide insurance protection for the daily risks of medical care.

What insurance do massage therapists need?

As a massage therapist, you deal with the public, medical care and sometimes the responsibilities of a brick-and-mortar location. You’ll want to research multiple types of insurance for the best protection.

Insurance tailored to massage therapists

Consider a coverage that protects your career as a massage therapist:

  • Professional liability. Protects you from the risk of errors when giving medical advice to your clients.
  • Product liability. Covers injuries or illnesses that happen because of lotions, aromatherapy or other products you use on or sell to customers.
  • Media liability. Adds protection for works you publish, false advertising or copyright infringement. May work best if you publish literature regularly.
  • Medical malpractice. Pays for your court defense if a patient claims you caused injuries or were negligent during their care.
  • Massage therapist insurance packages. A few companies offer packages tailored for massage therapy. These may cover therapists who need coverage for other business offerings like yoga.

General business insurance

Fill in the insurance gaps necessary for running a business:

  • Business owners’ policy (BOP). Covers key business areas that keep you afloat, including your massage therapy building, general liability and lost revenue or added expenses from business interruptions.
  • General liability. Offers broad coverage for customer injuries, advertising errors or other physical damage. It may not protect all areas covered by specialized liability policies.
  • Workers’ compensation. Fulfills state requirements and protects your employees from injuries or illnesses on the job.
  • Public liability. Adds more in-depth coverage than general liability for a customer’s claims of physical injuries or property damage.
  • Cyber liability. Safeguards your business and customer information that gets stored on computer databases.

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How does liability insurance cover massage therapists?

Professional liability insurance protects your massage therapy career for medical advice given. However, insurance policies vary on which claims get covered, typically covering them under a claims-made policy. This means you’re covered for therapy patients’ claims that happened and are reported to your insurance during your policy term.

Sometimes, you can get coverage for damage that happens during the term even if it’s reported after the term ends. This coverage falls under an occurrence policy. In addition, claims-made policies may let you set a retroactive date to cover previous work if needed.

Case study: Joan’s massage therapy insurance plan

Joan owns a massage therapy clinic and performs many of the massages herself. She bought an insurance package with this coverage:

Type of insuranceAmount of coverage
Professional liability$2 million per claim, $4 million per policy term
General liability$1 million per claim, $2 million per policy term
Product liability$2 million per claim, $4 million per policy term
Medical malpractice liability$2 million per claim, $4 million per policy term
Commercial property$1 million for building, $500,000 for business personal property
Business interruptionExpenses covered up to 12 months or $1 million

How can massage therapists get cheap insurance?

Aside from shopping for the best value, you can snag lower insurance premiums in several ways:

  • Get employer coverage from your boss. If you work as a therapist at an employer’s clinic, you might not need general business and other types of insurance your employer provides. However, you may still need professional liability.
  • Skip the high risk techniques. Limiting the number of massage techniques you use could lower your premium. You might also avoid any techniques your insurance company considers high risk, such as hot stone massage.
  • Ask about student status. Many companies lower insurance rates for students, possibly because they practice massage less often than professional therapists.
  • Compare specialized policies. A policy specialized for massage therapy can tailor the risks and leave out the broad dangers of other industries to lower your costs.

Bottom line

Massage therapy has its own set of risks specific to the industry. Those can include the danger of injuring your clients, giving out wrong advice or getting tagged with medical malpractice. To protect your career, you can look for the business insurance that covers your massage therapy business best.

Common questions about massage therapist insurance

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