Like any other health and wellness service, a massage therapy business faces a higher risk of client complaints, which could lead to legal disputes. Therefore, having insurance for massage therapists is crucial for financial protection, maintaining reputation, and ensuring peace of mind.
In general, there are two types of insurance for massage therapists:
- General liability insurance, which covers injuries or property damage caused during sessions;
- Professional Liability (malpractice) insurance, which protects against negligence claims.
Many insurance providers today offer customized policies, where you can choose a package that fits your unique needs. Here are some inclusion options:
- Liability protection – covers claims if a client gets injured or experiences discomfort after a massage session.
- Professional coverage – protects against malpractice claims, such as improper technique or accidental injury.
- Property damage coverage – if you work in a rented space or visit clients, insurance covers damages to their property.
- Business security – ensures financial stability if a lawsuit arises, covering legal fees and settlements.
- Credibility & Trust – clients feel safer knowing you are insured, boosting your professional reputation.
- Required by employers – many spas, wellness centers, and mobile massage services require therapists to have liability insurance.
Here at the American Massage Council, we also have “additional insured” as part of our optional coverage. It covers an entity such as a landlord, corporation, or another person that requests for inclusion in your policy. When the additional insured entity is named in your claim resulting from your actions, that entity will be defended by your policy.
Running a massage therapy business presents some challenges you need to deal with, and that includes potential claims from clients, which can be a cause of anxiety and can potentially drain your finances. With insurance for massage therapists, you can rest well at night knowing that you have the protection you need.
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Are you looking for a reputable company that provides insurance for massage therapists? Look no further than the American Massage Council. Contact us at (800) 500-3930 for inquiries.
