Massage Insurance: What It Is, How to Get It

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What risks does my massage therapy business face?
- A customer tripping at your studio, resulting in an injury.
- Injuring a client during treatment (for example, burning someone during a hot stone massage).
- Getting into a car accident while driving to a client’s home.
What types of insurance do massage therapists need?
Type of insurance | What it pays for | Find a provider |
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Third-party injuries, not related to treatment. Example: A client trips over a cord in your massage room, resulting in an injury. | ||
Third-party claims of negligence or malpractice, including legal and medical expenses. May also cover the attorney fees to defend your license amid administrative hearings. Example: A client sustains burns during a hot stone massage, or claims they were injured during treatment. | ||
Expenses resulting from an accident while using your car for business purposes, including medical expenses, property damage and legal costs. Example: You get into a car accident on the way to a client’s home, damaging your vehicle and another party’s. Depending on your coverage, commercial car insurance will cover repairs to both. | ||
Medical bills for employees and/or contractors who suffer a work-related illness or injury. Example: A massage therapist who you employ develops carpal tunnel syndrome on the job. Workers’ comp will cover the cost of physical therapy or surgery, if necessary, as well as lost wages. | ||
The cost to replace physical assets, like massage tables, computers, furniture and other equipment damaged due to fire, vandalism or other covered events. (Note: Can be combined with general liability insurance with a business owner’s policy.) Example: The studio space you rent is damaged in a fire. Commercial property insurance will cover the cost to replace your equipment. Landlords often require renters to have this coverage. |
How do I buy massage insurance?
1. Determine what coverage you need
2. Compare quotes, coverage limits
3. Purchase your policies, keep them up to date
How much does massage therapist insurance cost?
Read some of our reviews of popular business insurance companies: | ||
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