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Buying Massage Liability Insurance For Your Massage Business

Are You Covered? Massage Liability Insurance For Your Massage Business

For professional massage therapists, massage liability insurance is a necessary cost of doing business.

Liability claims against massage therapists are low compared to most other healthcare professions, meaning that insurance rates are also low. A couple of hundred dollars a year is meager amount to pay for the protection you will have if someone files a claim against you.

Understanding Insurance Options

When looking at massage therapist insurance options, it’s important to understand the different types of coverage:

  • Massage therapy liability insurance, which could be called massage malpractice insurance, protects you if a client claims your massage caused an injury or other adverse effect.

  • General liability insurance (trip and fall insurance) covers you if a client is injured or has property damaged while on the premises of your business.

  • Product liability insurance covers bodily injury or damage resulting from the use of a covered product (make sure your client isn’t allergic to that new oil you want to use!).

Liability coverage is expressed with limits that look like this: $2 million per occurrence/$6 million aggregate, which means you are covered up to $2 million for any one claim and up to $6 million total.

Some massage therapy insurance policies also cover things such as lost or stolen equipment. Most policies also have exclusions—make sure you know what they are.

You need to understand what different policies cover and what the limits are, so that you can choose the best coverage for your situation.

Buying Massage Liability Insurance

Two common ways to get insurance are by joining the American Massage Therapy Association (AMTA) or the Associated Bodywork and Massage Professionals (ABMP).

However, liability insurance is available from other sources, including:

(This list is not an endorsement of any company. Do your own research.)

› Massage Liability Insurance