ANIMAL BODYWORK LIABILITY INSURANCE

Working with animals is a true passion for you, and the benefits of massage and bodywork on your animal clients can significantly increase the quality of life for them in many ways. Animal therapy is designed to improve the physical, social, emotional, and/or cognitive functioning of the animal. Techniques utilized on dogs, cats, horses and other pets or competition animals include forms of massage, bodywork and energy work such as equine massage, Gestalt therapy, dog hydrotherapy and pet reiki.

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What coverage is included in my animal bodyworker liability insurance?

Visit our Coverage page for more specific information about the types of coverage included in our plan. For more detailed information about animal bodywork insurance specifically, visit our Animal Bodywork Insurance Guide!

  • General & Professional Liability  
  • Products-Completed Operations  
  • Damage to Premises Rented to You  
  • Third-Party Medical Expenses  
  • Personal & Advertising Injury  
  • Defense Costs  

NOW INCLUDED WITH YOUR MEMBERSHIP!

EquipProtect
Every membership automatically includes $10,000 for movable business equipment (BPP) and $10,000 for business interruption (BI) at no extra cost. Need more? You can easily upgrade to EquipProtect PLUS+ with limits up to $325,000 directly on your application to fully protect your business tools and equipment.

Participant Accident Coverage
Get built-in peace of mind with medical expense, accidental death, dismemberment, and paralysis benefits for clients injured at your gym—regardless of fault. This unique coverage allows you to support your clients right away and preserve your working relationship before a legal demand is ever made. (Note: Incidents must be reported immediately through your AB account to prevent legal demands and lawsuits being made before medical bills can be paid).

Animal Body Work

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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

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Animal Bodywork FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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On January 2, 2026

Most services we cover on humans are also covered on animals such as Equine Massage, Animal Shiatsu, Canine Massage, Animal Acupressure.

On January 2, 2026

Yes, we cover both animal communication and animal energy work like reiki.

On January 2, 2026

We do not cover the transportation of animals during treatment. Please contact your auto insurance provider to review your transportation coverage.

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General & Professional 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.

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 products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use for 7 days or less. It does not apply to permanently leased locations.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

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

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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