BODYWORK & MASSAGE INSURANCE FOR MASSAGE THERAPISTS

Massage therapists and bodywork professionals choose Alternative Balance because they want coverage that expands as they grow their business and add new services. That is the advantage of joining Alternative Balance Professional Group. We offer over 750+ services on one policy for one price. 

We are more than just massage insurance or bodywork insurance, though. With Alternative Balance, you get access to exclusive membership benefits such as industry discounts and business tools that help you develop your clientele and grow your massage therapy business. Whether you are a mobile massage therapist, work in a salon or spa or have your own office, our massage therapist liability insurance follows you everywhere you work – even internationally! Get started online today and have instant access to your insurance documents and all the benefits that come with an Alternative Balance membership!

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WHAT COVERAGE IS INCLUDED IN MY MASSAGE LIABILITY INSURANCE?

To see a specific list of coverage provided, please see our Coverages page. Sexual Abuse Liability is available as an optional coverage (for more information on why this is important for your business, read our Sexual Abuse Liability Insurance White Paper). Check out our Q&A guide for answers to common questions, such as why do I need insurance and what coverages do I need? We invite you to also visit our Massage Insurance Guide.

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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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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.

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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