Insurance for Massage Therapy and Bodywork Businesses

How Much Does Insurance for Massage Therapists Cost?

If you are looking for quotes for your massage business, we would be happy to help. There are many factors that go into determining how much a business owner will pay for coverage, such as the types of therapy you provide, where your massage business is located, and whether or not you have employees. If you travel to your client’s homes, this could also impact the cost of what you will pay for insurance coverage. By requesting a quote from us, we can gather more details on the type of your business to see what coverages you may need.

What types of Massage Therapy Businesses Need Insurance Coverage?

As a professional massage therapist, you spend your day helping people de-stress. Trying to find appropriate coverage for your massage therapy business can be just the opposite. If you are wondering if your business even needs insurance, consider what would happen if a client brought legal action against you. Would you have enough saved to cover your legal fees? Massage therapy businesses that should consider insuring their business include but are not limited to:

  • Sports massage therapy
  • Chair massage therapy
  • Medical Massage therapy
  • Massage spas
  • Day spas
  • Self-Employed massage therapists
  • Aquatic Bodywork 

General Liability Insurance for Massage Therapy Businesses

With all the different types if business insurance available, which ones should a massage therapist consider? Typically, a general liability policy can give you financial protection if a client is accidentally hurt. If a client trips and falls in your space, or if a client injures themselves on a piece of equipment, they could decide to bring legal action against you. General liability insurance generally will also cover property damage. If you perform massage therapy services on someone else’s property, they may require you to have a general liability policy in place.

Professional Liability Insurance for Massage Therapists

Professional Liability Insurance can help protect your massage therapy business if a client believes a mistake you made caused personal injury or other damage or  loss and decides to sue you. It generally helps you pay for legal defense costs and legal judgements.

Commercial Auto Insurance

If you travel to different locations for your massage therapy business, a commercial auto policy can help protect your vehicle. Commercial auto policies typically have higher coverage limits than personal policies. If you already have a commercial auto policy in place, reviewing it with a local agent to see if it appropriately covers your massage therapy business is a smart move.

Workers’ Compensation Insurance for Spas and Massage Therapists

Depending on what state your spa or massage studio is located in, if you have employees, workers’ compensation may be a requirement. A workers’ compensation policy can help your employees that are injured or become ill because of work related events by covering things like medical bills, emergency room visits, and ongoing care costs. Policies can vary, so it is always good practice to review them with your local insurance agent.

How Do I Get Insurance for My Spa or Massage Therapy Insurance?

When it comes to selecting insurance policies for your massage therapy business, it’s a good idea to compare coverages and have options. At Cross Insurance, we work with the nation’s leading carriers as well as regional insurers. With offices in Maine, New Hampshire, Massachusetts, Rhode Island, Connecticut, Vermont, New York and Florida, our agents are available for account management support. Contact us to request a quote for your spa or massage therapy business.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

Request a Quote for Your Massage Therapy Business Today

More Resources