BODYWORK INSURANCE

Comprehensive Coverage for Professional Bodywork Practitioners, Teachers, and Trainees

Alternative Balance insures almost all bodywork methods in the industry! Whether your discipline is craniosacral therapy, shiatsu, reflexology, or somatic movement, bodywork liability insurance is a necessity. Because bodywork involves close, physical manipulation of a client’s muscles and connective tissues, even minor misunderstandings or unexpected reactions can leave you vulnerable to devastating legal claims.

With Alternative Balance, you gain instant access to premium, highly flexible insurance backed by top-tier carriers. We protect almost all bodywork modalities in the industry—giving you peace of mind to focus on your clients' healing.

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WHAT COVERAGE IS INCLUDED IN MY BODYWORK LIABILITY INSURANCE?

Our bundled program eliminates the guesswork, securing all the vital safeguards under one easy-to-manage membership.

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

Why Choose Alternative Balance for Your Bodywork Practice?

Your hands-on work is unique. Our bodywork insurance is built to adjust to how, where, and who you teach.

  • Portability that Follows You: Your coverage isn't locked to one room. Whether you work in a high-end spa, treat clients in their homes, or work at a wellness retreat, your policy travels with you globally.
  • Covers Teaching & Instruction: Do you pass on your knowledge? Our policy continues to protect you and your business when you teach bodywork classes, seminars, or workshops.
  • All Career Stages Welcome: Whether you are full-time, run a part-time mobile practice, or are a trainee/student learning the ropes, we have an affordable plan tailored to your needs.

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 business—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).

What Risks Does Bodywork Insurance Protect Against?

Even the most highly skilled bodywork professionals can face unpredictable situations. Here are real-world scenarios where your policy steps in:

  • Allergic Reactions: A client experiences a severe skin reaction or chemical burn from a specialized lotion, essential oil, or topical cream you applied.
  • Slip-and-Fall Accidents: A client slips on water on your clinic floor or trips over a cord or rug in your waiting area, resulting in physical injury.
  • Injury & Lost Wages Claims: A client alleges that a deep-tissue technique or somatic adjustment caused them physical injury, demanding financial compensation for medical bills or lost income.
  • Client Claims of Negligence: A client files a lawsuit claiming your treatment caused long-term joint or tissue damage.

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Bodywork Examples

What if??

Wondering what kind of claims could be covered by bodywork insurance? We've got some examples to make it easy.

  • General Liability: Massage table leg breaks and client falls off table and gets injured.
  • Professional Liability: A client sues you because they claim they told you they had an injured shoulder, but you proceeded to work on it anyway, making the injury worse.
  • Damage to Premises Rented: Your massage table breaks and damages the hardwood flooring in the space you have permission to use for a few days while your regular space is being repaired.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

Bodywork Insurance

Bodywork SUB-INDUSTRY INSURANCE

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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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Bodywork Insurance FAQs

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

On January 2, 2026

Yes, the policy is designed to cover the practice and teaching of bodywork.

On January 2, 2026

Sexual abuse liability coverage is an “optional” endorsement of coverage available anytime in your account. We highly recommend sexual abuse coverage for any professional doing “hands on” bodywork services.

On December 31, 2025

Yes, this policy will follow you wherever you go as long as you follow the specific state laws regarding the service you provide.

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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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Say hey to our member, Gemma Jones!

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Say hey to our member, Gemma Jones! 💟What she does: At Caltrology Electrolysis, our team views both inner and outer beauty as unique forms of art and avenues for self-expression. Each individual’s skin and hair narrate their personal journey and distinctiveness, which we celebrate through our clients' self-care, including their hair removal solutions for unwanted hair. From advanced electrolysis to gentle waxing and eco-friendly sugaring, we have a strong mission to help our clients feel great in their skin. What makes us unique is that our mission extends beyond just individual hair removal treatments to include advocacy for broader access to necessary care. As passionate supporters for women who suffer from hirsutism or PCOS, our team is dedicated to ensuring that essential services like electrolysis eventually become recognized and covered by insurance, providing relief and support to those affected by these conditions. 💟What she says about Alternative Balance: I feel comfortable and confident performing electrolysis treatments on clients (which involves inserting fine needles into individual hair follicles and applying electrical current to destroy the source of hair growth) because I’m backed by a prestigious insurance company with a great customer-satisfaction track record! #ABmembers #ABfeaturedmember #californiasmallbusiness #californiabusiness #hairremovalbusiness

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Say hey to our member, Maya Risteska! 💟What she does: At Beauty Bliss we offer high quality permanent make up services that are tailored for each client individually. Our main goal is to provide daily perfection without any daily efforts. 💟What she says about Alternative Balance: Alternative Balance is saving me money and helps in promoting my business. #ABmembers #ABfeaturedmember #PMU #permanentmakeup #pmuartist

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Say hey to our member, Khadijah Dawkins of @essential.element.ha! 💟What they do: Essential Element Healing Arts is dedicated to providing intuitive wellness through healing with energy, sound, vibration, and the Akashic Records as well as unique products to enhance your quality of life. We aim to help you understand that "You" are the "Essential Element" in your healing process. Essential Element provides classes and workshops as well as private healing sessions to help you keep your chakras balanced and aligned, activating your body's natural healing abilities. 💟What they say about Alternative Balance: Alternative Balance provides unique coverage options for our multi-faceted healing services! #ABmembers #ABfeaturedmember

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Say hey to our member, Angela Wuerz! @angelawuerz

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Say hey to our member, Angela Wuerz! @angelawuerz 💟What she does: I’m Angela Wuerz, a dedicated Registered Bach Flower Practitioner based in Los Gatos, California. I have a passion for helping individuals find balance and emotional well-being through the natural, gentle healing power of Bach Flower Remedies. With years of experience, I specialize in working with adults, teens, and couples to support their journey toward greater harmony and mental clarity. 💟What she says about Alternative Balance: When I had a question about my insurance, I was able to reach a real person and get the answer within minutes. #ABmembers #businessmembership #healthcoachcommunity #onlinehealthcoaching #emotionalhealing #smallbusinessfeature #virtualhealthcoach #ABfeaturedmember

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Say hey to our member, Chrystal Goldschmidt!

💟Company Name:
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💟What she does:
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Say hey to our member, Chrystal Goldschmidt! 💟Company Name: Serenica Wellness - FKA Hydrologie Wellness 💟What she does: Chrystal is very passionate about her work. Chronic childhood trauma, abuse, neglect, and the loss of her husband who lost his battle to military service-connected PTSD by suicide, led her to survive life with chronic PTSD (complex post-traumatic stress disorder) among other issues. These things triggered intense grief, anxiety, fear, OCD, and perfectionism. She attributes her outstanding results during her healing journey from C-PTSD, negative core beliefs, imposter syndrome, and many health conditions using the Emotional Freedom Technique (EFT Tapping) and Energy Medicine. 💟What she says about Alternative Balance: Alternative Balance has helped my business with insurance coverage that we can trust that is specifically designed to protect our variety of professional and holistic services. #ABmembers #businessmembership #PTSDhealing #EFTpractitioner #emotionalfreedomtechnique #griefcoach #griefhealing #energymedicine #energyhealer #energyworkersofinstagram #ABfeaturedmember

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Say hey to our awesome member, Brandy Cummings! @resilientmotherhood.health 💟Company Name: Resilient Motherhood 💟What she does: I’m a doctor of clinical nutrition who supports women to resolve the mysterious symptoms that began after having their baby while empowering them with the evidence-based information they need to understand their situation isn’t normal or “just in their head.” 💟What she says about Alternative Balance: It's so easy, I love the user interface and all the extra support and benefits behind the scenes. #ABmembers #businessmembership #nutritionbusiness #nutritionpractitioner #infertilitysupport #alternativemedicine #alternativehealthcoach #DoctorofClinicalNutrition #ABfeaturedmember

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Say hello to our member, Janine! Here’s a little about her:

💟Company Name:
Rise Coaching Services (@risecoachingservices)

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Janine helps school-age children and young adults find their authentic selves and live their best lives.

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Alternative Balance has ensured that I now have liability insurance after waiting for years. They are so helpful, kind, and human. Love my experience so far.

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Say hello to our member, Janine! Here’s a little about her: 💟Company Name: Rise Coaching Services (@risecoachingservices) 💟What she does: Janine helps school-age children and young adults find their authentic selves and live their best lives. 💟What she says about Alternative Balance: Alternative Balance has ensured that I now have liability insurance after waiting for years. They are so helpful, kind, and human. Love my experience so far. Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member! #ABmembers #businessmembership #alternativehealthpractitioner #californiasmallbusiness #lifecoaches #coachingcommunity #featuredmember #ABfeaturedmember

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Say hello to our member, Jana (@janahanalei)! Here’s a little about her:

💟Company Name:
Hanalei SUP Yoga

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Jana is the founder of Hanalei SUP Yoga. She holds an E-RYT 500 hour yoga instructor certification, SUP Yoga teacher certificate, is a WPA Class Il instructor and a PaddleFit Pro Coach. She offers a SUP Yoga teacher training and WPA class I certification annually. During the summer she teaches a variety of classes on the North Georgia lakes. When she`s not teaching, she hosting SUP and yoga retreats in North and Central America or volunteering for a Newfoundland dog rescue.

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Say hello to our member, Jana (@janahanalei)! Here’s a little about her: 💟Company Name: Hanalei SUP Yoga 💟What she does: Jana is the founder of Hanalei SUP Yoga. She holds an E-RYT 500 hour yoga instructor certification, SUP Yoga teacher certificate, is a WPA Class Il instructor and a PaddleFit Pro Coach. She offers a SUP Yoga teacher training and WPA class I certification annually. During the summer she teaches a variety of classes on the North Georgia lakes. When she's not teaching, she hosting SUP and yoga retreats in North and Central America or volunteering for a Newfoundland dog rescue. 💟What she says about Alternative Balance: Alternative Balance has helped me by providing coverage for my unique business needs at an affordable rate. Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member! #ABmembers #businessmembership #alternativehealthpractitioner #georgiasmallbusiness #SUPyoga #yogateachers #yogacommunity #featuredmember #ABfeaturedmember

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Brow-Vana

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Alternative Balance has helped me by keeping my business well secured in case of any mishaps.

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Say hello to our member, Sarah (@browvanaco)! Here’s a little about her: 💟Company Name: Brow-Vana 💟What she does: Sarah is a small business owner specializing in microblading and ombre powder brows. 💟What she says about Alternative Balance: Alternative Balance has helped me by keeping my business well secured in case of any mishaps. Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member! #ABmembers #businessmembership #alternativehealthpractitioner #floridasmallbusiness #estetician #businesscommunity #featuredmember #ABfeaturedmember

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Say hello to our member, Shana (@aspirefitnesshealth)! Here’s a little about her:

💟Company Name:
Aspire Fitness Health

💟What she does:
As a dedicated nutrition coach and personal trainer, I am passionate about helping individuals achieve their health and fitness goals through a holistic approach. With a deep understanding of the vital role that nutrition plays in overall well-being, I strive to educate and empower my clients to make sustainable lifestyle changes. By combining personalized exercise plans with tailored nutrition advice, I aim to optimize both physical performance and mental well-being. With a strong emphasis on balance and mindfulness, I believe in nurturing the body, mind, and soul to achieve long-lasting results. Together, we can embark on a transformative journey towards a healthier, happier life.

💟What she says about Alternative Balance:
Alternative Balance has been instrumental in providing me with great insurance coverage and ensuring peace of mind for both myself and my business. Their comprehensive policies have safeguarded me against potential risks and unforeseen events, allowing me to focus on running my business with confidence. Knowing that I have reliable protection in place has alleviated any worries about potential financial losses or liabilities.

Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member!

#ABmembers #businessmembership #alternativehealthpractitioner #nutritioncoaches #personaltrainers #wellnessentrepreneur #businesscommunity #featuredmember #ABfeaturedmember

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Say hello to our member, Shana (@aspirefitnesshealth)! Here’s a little about her: 💟Company Name: Aspire Fitness Health 💟What she does: As a dedicated nutrition coach and personal trainer, I am passionate about helping individuals achieve their health and fitness goals through a holistic approach. With a deep understanding of the vital role that nutrition plays in overall well-being, I strive to educate and empower my clients to make sustainable lifestyle changes. By combining personalized exercise plans with tailored nutrition advice, I aim to optimize both physical performance and mental well-being. With a strong emphasis on balance and mindfulness, I believe in nurturing the body, mind, and soul to achieve long-lasting results. Together, we can embark on a transformative journey towards a healthier, happier life. 💟What she says about Alternative Balance: Alternative Balance has been instrumental in providing me with great insurance coverage and ensuring peace of mind for both myself and my business. Their comprehensive policies have safeguarded me against potential risks and unforeseen events, allowing me to focus on running my business with confidence. Knowing that I have reliable protection in place has alleviated any worries about potential financial losses or liabilities. Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member! #ABmembers #businessmembership #alternativehealthpractitioner #nutritioncoaches #personaltrainers #wellnessentrepreneur #businesscommunity #featuredmember #ABfeaturedmember

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Henniker, NH 03242

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