Massage Therapy Guide

Q: Do I need my own massage insurance for massage therapy if I rent space or work at a wellness center-type of location?

A: We recommend that, as an independent contractor/self-employed massage therapist, you have your own massage insurance. Since most wellness centers and landlords who rent space do not provide insurance for independent massage therapists, you could be risking your income and professional reputation by not having massage insurance.

Q: When should I buy massage therapist liability insurance?

A: Since many landlords request that you carry your own coverage if you are self-employed, even before you provide massage therapy at their location, you should consider buying massage insurance when you are actively pursuing a location to provide your massage therapy, or even if you are currently at a location providing service.

Q: Where can I find the best rates for liability insurance in the field of massage and alternative therapy?

The most AFFORDABLE rates are provided by national associations or groups because of the larger numbers of professionals in the association and the flexibility to cover all 50 states.

To save even more money, be part of an association that covers several services on one plan as well as offers part-time, discounted rates.

Q: What are the types of liability I should have?

A:The most common types of liability for a massage therapist are professional and general liability.

Professional Liability, also known as malpractice, protects you and your business for loss or expense resulting from claims of professional errors, mistakes, or failure to perform professional duties committed or alleged to have been committed by the insured in his or her professional activities.

General Liability is a form of insurance designed to protect practitioners from liability exposures arising out of accidents resulting from the premises such as slip and fall.

Q:  How much coverage (insurance) should I have?

A: The most common plans include professional and general liability which includes $2-3 million annual aggregate and are either occurrence or claim based programs.

Q: What is “claims made” coverage?

A:  A policy providing liability coverage only if a written claim is made during the policy period or any applicable extended reporting period.

Q: How quickly can I get insurance coverage and proof of coverage?

A: If purchased online, most association applications are approved instantly or in as little as 2-3 business days. Several associations do not offer same day processing by phone or mail, so check with the association representatives about how long it may take if you choose this method. We offer instant, no-wait coverage. You can download your documents online immediately after your payment is processed.

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Q: How do I know if the insurance carrier is stable and legitimate?

A: You can review the rating of any insurance carrier by visiting rating agencies such as A.M Best Company, Standard & Poor’s,  or Weiss Rating. Look for an “A” rating or better.

Q: How do I know if I am legally able to practice massage professionally?

A: In the U.S. most states (except AK,KS,MN,OK,VT and WY) have state/local laws regarding massage therapy. We encourage you to contact your state board for regulations for a more detailed understanding. You can visit our support resources page here for more helpful information.

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