Massage Insurance

massage insurance

Customized Massage Insurance Coverage To Help You Relax

Clients want a calm and comfortable experience when they go to the spa. You strive to give your customers the peace they’re looking for, but you deserve it as you work, too. We’ll give you the peace of mind you need with massage insurance made to protect your small business.
 
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massage insurance

Why Businesses Need Massage Therapy Liability Insurance

Performing massage therapy and therapeutic treatments means your small business faces unique risks. From employee injuries to damaged business property, your business needs the right type of massage insurance. Our specialists can work with you to make sure you get the coverage you need. Whether it’s massage therapy liability insurance or another type of business insurance, we’ve got your back.
Massage therapy insurance

Do Massage Therapists Need Insurance?

Massage therapists need insurance because working with clients means they face risks that put their business assets at stake. These risks and liability claims are more common than you may think. The types of businesses that may need massage insurance include:
 

What Insurance Covers Massage Therapists?

Basic Massage Therapy Insurance Coverage

Many therapeutic, health and massage professionals invest in a Business Owner’s Policy (BOP). Why? Because it combines three types of essential coverage that many small business owners need:
 
General liability insurance to help protect your massage business from claims that it caused property damage or bodily injuries such as slips, trips and falls.
 
Commercial property insurance to help protect the owned or rented building, tools and equipment used to operate your massage business. This can include your:
 
  • Massage table
  • Massage chair
  • Oils
  • Inventory
  • Pillows and linens
  • Towels
  • Hot stone
Business income insurance to help recover lost income if you can’t operate because of covered property damage.

How Much Does Massage Therapist Insurance Cost?

Massage therapist insurance costs can vary because every business is unique. An insurance company uses different factors to determine a business’ cost. This can include your:
 
  • Claims history
  • Number of employees
  • Revenue
  • Location
The best way to find out how much you’ll pay for massage therapist insurance is to get a quote.

Taking Care of Your Massage Therapist Team

Your employees are a key piece to your massage business. If they get hurt or sick from their work and can’t do their job, it can have a significant impact on your business. Massage liability insurance can help protect your team and get them back to work if they get a work-related injury or illness.
There were 1,900 nonfatal injuries or illnesses in the personal care services in 2020.1
Massage therapy business insurance

Carpal Tunnel

“One of our massage therapists had to miss a month of work to recover from carpal tunnel in his wrists. His doctor determined it was because of his job.”
 
Workers’ compensation insurance gives benefits to your employees if they get sick or injured from their job. This coverage can help pay for their medical expenses and replace lost wages from missing work.
Liability insurance for massage business

Customer Injury

“I gave one of my clients a massage and she ended up having a skin reaction to one of the lotions. She had to go to the hospital for treatment and sued our business for her medical costs.”
 
General liability insurance helps protect your business from claims that it caused injury or property damage to someone else. It can help pay for a customer’s medical bills and treatment if they get hurt.

Covering Your Massage Business’ Property

The tools, equipment and the physical space you operate your massage business out of are essential to your success. That’s why having the right type of massage therapy insurance is important. With coverage, you can protect your property from damage that could devastate your business.
75% of retailers saw an increase in organized retail crime in 2020.2
Liability insurance for massage professionals

Stolen Equipment

“I opened my spa one morning and noticed our massage chairs and tables were stolen. We were also missing some inventory that we use daily.”
 
Commercial property insurance can help pay to repair or replace damaged or stolen business property.
Insurance requirements for massage therapists

Lost Customer Data

“One of my employees opened an email and clicked on a link that ended up being a virus. We lost our company records and some other important business files.”
 
Electronic Data and Interruption of Computer Operations can help pay to recover lost or damaged files.

Covering Your Massage Business’ Operations

We know running your massage business requires hard work and time. Our massage insurance coverage can help protect your investment and stay successful.
An average of 32.4% of new small businesses failed and didn’t make it two years after opening.3
Do massage therapists need insurance

Vendor Warehouse Fire

“Our supply vendor had a fire in their warehouse and couldn’t deliver our usual shipment on time, which meant we couldn’t see as many clients.”
 
Business Income from Dependent Properties insurance helps replace your business’ lost income if you can’t operate because of an issue with a third party.
What insurance do massage therapists need

Data Breach

“Our payment system got hacked and we lost some of our customers’ banking, credit card and contact information.”
 
Data breach insurance helps your business respond to a data breach if it loses personally identifiable information. Some insurers call this cyber liability insurance.
Cost of massage therapist insurance

Massage Insurance That Has Your Back

Get the protection you need to help keep your massage insurance running successfully.
 
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Last Updated: June 8, 2022
 
1 U.S. Bureau of Labor Statistics, “Injuries, Illnesses, and Fatalities: Numbers of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2020”
 
2 National Retail Federation, “Organized Retail Crime Remains a Growing Threat”
 
3 Small Business Administration, “Frequently Asked Questions: October 2020”
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Legal Notice.
 
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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