Massage Therapist Liability Insurance
4.8/5 on
- Instant Proof of Insurance
- General & Professional Liability Protection
- Built for Bodywork
- Coverage Follows Wherever You Work*
What Is Massage Therapist Insurance?
Massage therapy insurance is coverage for claims arising from your hands-on work with clients. Say your table gives out mid-session, or a client has a reaction to a massage oil you used. Insurance offers a financial safety net to cover the costs of unexpected moments, so your practice stays standing.
How Much Is Massage Therapist Insurance?
With Insurance Canopy, massage therapy liability insurance starts at $10 per month or $96 per year. Add optional coverages to enhance your policy and fit your specific practice.
What Coverages Does Massage Therapist Insurance Include?
Your massage therapy liability insurance policy includes:
- General liability insurance: Can cover third-party bodily injury and property damage claims
- Professional liability insurance: Can protect your business against third-party bodily injury claims related to your massage technique, advice, or recommendations
- Personal and advertising injury insurance: Can cover claims of non-physical injuries, such as libel, slander, copyright infringement, or marketing mistakes
- Products and completed operations coverage: Designed to cover claims related to products used during service, or the completed services themselves
- Fire legal liability coverage: Can pay for fire-related damage to your rented treatment space
- Medical expense limit: Can cover medical bills for third-party injuries that happen at your business, regardless of who’s at fault
Why Do Massage Therapists Need Liability Insurance?
Some states require proof of liability insurance as part of the massage therapy licensing process, but its importance goes beyond compliance. You work in close physical contact with clients, using pressure and heat that carry inherent risks. If something goes wrong, insurance can step in to financially protect your business from expensive claims.
In addition, many spas and wellness centers require massage therapists to carry coverage. Insurance lets you focus on helping clients feel better — not on the everyday risks you face.
Coverage Details
General & Professional Liability Aggregate
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
Products Completed Operations Aggregate
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$3,000,000
Personal & Advertising Injury
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
Included
Each Occurrence
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Damage to Premises Rented to You
The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.
$300,000
Inland Marine (Tools & Supplies Coverage)
From +$2/Month
Cyber Liability Insurance
From +$6.58/Month
Fitness Trainer Endorsement
+$2.75/Month
Cupping or Microcurrent Endorsement
+$2.92/Month
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Get coverage that feels like a day at the spa. Insurance Canopy makes it easy to secure instant proof of insurance with flexible payment options and customizable coverage add-ons — all before your next client walks through the door.
FAQs About Massage Therapist Insurance
What Massage Modalities Are Covered?
Your massage therapy insurance policy covers many common massage modalities, including:
- Deep tissue massage
- Swedish massage
- Chair massage
- Hot stone massage
- Animal massage
- Sports massage
- Thai Massage
If you also offer facials, waxing, or other spa services, visit our beauty professional insurance page to explore what else is covered.
I’m a Massage Therapy Student — Do I Qualify for Coverage?
Yes! Massage therapy students qualify for the same affordable, reliable coverage that licensed massage therapists enjoy. Buy a policy online in 10 minutes to stay protected while you train toward licensure.
What Kinds of Claims Does Massage Therapy Insurance Cover?
These are some examples of claims your policy may cover:
- A client trips and falls in your reception area
- A client claims your massage technique aggravated an existing injury
- A client suffers an allergic reaction to an oil you used during service
- Your massage cream damages a client’s property
What Other Coverages Do Massage Therapists Need?
Customize your massage therapy policy based on how your practice operates — select from any of the following add-ons:
- Inland marine: Coverage for your movable bodywork tools and supplies in case of theft or damage
- Cyber liability insurance: Can cover the costs of recovery and support if your business experiences a cybersecurity incident
- Cupping or microcurrent endorsement: Extends your liability coverage to include specialized cupping or microcurrent services
- Fitness trainer endorsement: Adds coverage for fitness instruction, such as yoga or personal training, if you also offer these services through your business
*Currently unavailable for purchase in Missouri.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
You’ve poured your heart into your beauty brand — mixing scrubs in your
You’re not just mixing up moisturizers, you’re building a meaningful brand with your
Sometimes an underwriter can be like the character The Banker on the TV