How much does massage therapist insurance cost?
How much does massage therapist insurance cost?
$35 – $235 average cost per year
Average massage therapist insurance cost
Massage therapist insurance costs $35 to $235 per year, depending on the provider, coverage limits, payment schedules, and your business needs. Prices for massage liability insurance also vary widely based on whether you're a student or a professional. Some companies offer add-on options like equipment coverage for a small fee.
| Provider | Average annual cost | Coverage limit |
|---|---|---|
| Insure LMT | $35 – $94 | $2 million occurrence; $3 million aggregate |
| Beauty & Bodywork | $96 – $210 | $2 million occurrence; $3 million aggregate |
| MASSAGE Magazine | $159 – $169 | $2 million occurrence; $3 million aggregate |
| ABMP | $89 – $229 | $2 million occurrence; $6 million aggregate |
| AMTA | $89 – $235 | $2 million occurrence; $6 million aggregate |
Insure LMT
Insure LMT (Licensed Massage Therapist) charges $94 per year for professionals or $35 per year for students. This company is among the most budget-friendly of all providers. Their plans include up to $2 million per occurrence in liability coverage, but monthly billing is not available.
Beauty & Bodywork
Beauty & Bodywork Insurance (BBI) costs $96 to $210 annually, offering $3 million aggregate liability and coverage for both mobile and fixed-location therapists. Optional add-ons for supplies and cyber liability are available for $2.00 to $6.58 each per month.
MASSAGE Magazine
MASSAGE Magazine insurance policies cost $159 to $169 annually for full-time or part-time massage therapists, with limits of $2 million per occurrence. Their discounted 2-year rate brings daily costs to as low as $0.41 per day.
ABMP massage insurance cost
Membership with the Associated Bodywork & Massage Professionals (ABMP) costs $89 per year for students or $229 per year for professionals. These memberships include insurance, with an excellent $6-million aggregate coverage each year.
ABMP also offers extra continuing education resources, legal assistance, and discounts on massage supplies.
AMTA massage insurance cost
An American Massage Therapy Association (AMTA) membership with insurance costs $89 to $235 per year and also offers up to $6 million aggregate coverage, plus shared aggregate limits in its group policy. Membership includes free continuing education resources and optional insurance add-ons.
Massage therapist liability insurance cost factors
Many variables influence the price of massage therapist insurance. Some are within your control, while others relate to coverage choices or business structure:
Location: Insurance premiums may fluctuate based on the legal and risk environment in each state.
Coverage limits: Higher aggregate and occurrence limits increase yearly and monthly premiums.
Business type: Solo practitioners, LLCs, and multi-therapist businesses pay different rates.
Services offered: Adding modalities, mobile service, or specialized therapies may require more coverage or add-ons.
Claims history: Insurance history and claims frequency often impact premiums.
Optional coverages: Endorsements, additional people on your policy, and cyber liability upgrades add to total costs.
Payment plan: Monthly plans may cost slightly more than single annual payments.
Benefits of massage therapist insurance
Insurance protects massage therapists from unexpected events that could disrupt their business and finances. In a hands-on profession, even the most careful practitioner can face situations like client injury, property damage, or lawsuits. Employers, landlords, and many state licensing boards may also require coverage before allowing a therapist to practice.
Clients may sue massage therapists for a range of issues related to physical, emotional, or financial harm:
Improper technique leading to bodily injury, such as muscle tears, nerve damage, or pain worsened after treatment
Emotional distress caused by the session or by insensitive handling of sensitive areas or prior trauma.
Failure to obtain informed consent before treatment, resulting in claims of battery or unauthorized procedures.
Allergic reactions or burns from oils, lotions, or devices used during sessions.
Slip-and-fall or other accidents occurring in the therapy premises, regardless of massage involvement.
Sexual misconduct, inappropriate touching, or violations of professional boundaries.
Equipment failure, such as a massage table breaking and causing injury.
Massage therapy insurance FAQs
Are monthly payments available for massage therapist insurance?
Yes, some providers such as Beauty & Bodywork Insurance and ABMP offer monthly payment plans that end up being slightly more than a yearly plan. They start at $9.99 or $20 per month, respectively.
Does massage insurance cover mobile and in-home visits?
Yes, most modern massage therapist policies cover both fixed and mobile services within the policy limits. Be sure to confirm the specific coverage with your insurance provider.
What optional coverages can massage therapists add?
Therapists can add endorsements for tools and supplies, cyber liability, commercial property, specialized treatment coverage (such as cupping or hot stone coverage), and additional insured massage therapists for a small monthly or annual fee.
Questions to ask insurance companies
Insurance is just one part of becoming a massage therapist, but it's an important one. Knowing the details of your policy and how to handle an insurance claim can save time and stress if something unexpected happens. Always raise thoughtful questions to ensure your policy matches all your business needs and regulatory requirements:
What are the policy's liability limits per occurrence and aggregate?
Are mobile, in-home, and specialized services included?
Can I add someone onto my policy, and what does that cost?
What exclusions and limitations exist in the policy language?
What payment plans and billing options are available?
Can I customize coverage levels or add endorsements for tools and supplies?
Are legal defense and claim support part of the membership?
How long does it take to activate coverage after applying?
Do continuing education or member discounts come with the insurance?
Using our proprietary cost database, in-depth research, and collaboration with industry experts, we deliver accurate, up-to-date pricing and insights you can trust, every time.