Massage Therapy Insurance
Business insurance for massage therapists from only £3.14 per month.*
- Public liability for massage therapy
- Cover for massage studios
- Add protection for over 200 therapy activities
- Join over 180,000 customers**
From only £3.14* per month
Choose your Massage Therapy policy
We offer two types of massage therapy policy. Liability and equipment cover for freelancers and mobile therapists, or salon cover for businesses with external premises.
Self-Employed Massage Therapist
Massage Studio Business
What does massage therapist insurance cover?
Our insurance for massage therapists has been tailored specifically for qualified massage therapists working independently or as small businesses. This cover includes crucial liability insurance for protection against public injury and accusations of negligence, with the option to add useful extras like equipment and personal accident only add the level you need.
Whether you offer treatments in your own home, at a designated location, or at alternative wellness centres, our policy provides the protection you need to operate securely. You can focus on delivering high-quality massage treatments and achieve a positive experience for your clients without worrying about potential liabilities.
Make sure you have the correct insurance for your therapy and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Treatment
Third Party Property Damage
Equipment
Personal Accident
Professional Indemnity and Professional Treatment
- Cover available from £1 million to £5 million.
- Protects you if a client or member of the public claims to have suffered an injury or property damage as a result of a beauty treatment you provided or professional advice you gave.
Public Liability and Products Liability
- Cover available from £1 million to £5 million.
- Protection against claims made by third parties for injury or property damage arising from your beauty treatments, products used, or the general operation of your business.
Third Party Property Damage
- Covers accidental, non‑negligent damage to someone else’s property while you’re carrying out beauty therapies—ideal for mobile therapists or those working in shared salon spaces.
Employers’ Liability
- Up to £10 million of cover.
- Protects you if an employee experiences a work‑related injury or illness and makes a claim.
Equipment
- From £500 to £3000 worth of cover
- Select from £500 to £3,000.
- Includes new‑for‑old replacement for items under three years old.
Equipment Hire
- Up to £750 of cover.
- Helps you stay operational by covering the cost of hiring essential equipment if yours is damaged or unusable.
Personal Accident
- Provides financial support after workplace accidents.
- Covers a range of incidents including accidental death, permanent total disablement, and temporary total disablement.
Legal Expenses
- Access to a legal advice helpline, counselling support, and legal defence costs.
- Optional upgrades available for protection against employment, property, and health and safety disputes.
- Massage therapy treatments you are not qualified to perform.
- Any treatment not listed on your proposal form or insurance schedule.
- Massage therapy services provided outside the UK.
- Prescribing or supplying medication or pharmaceutical products.
- Use of non‑proprietary or unapproved products within your beauty treatments.
For further information on exclusions in your cover please refer to policy documentation.
Public & product liability
- Up to £5 million of cover
- Protects your beauty salon if a client or member of the public is injured or their property is damaged as a result of your business activities
- Includes incidents arising from beauty treatments, such as burns, cuts, allergic reactions, skin irritation, or accidental spillage during treatments
- Covers liability for beauty products sold or supplied as part of your services, including skincare, waxing products, lash and brow treatments, tanning solutions, and aftercare products
- Also includes Products Liability for products sold or supplied.
- Includes liability under the Defective Premises Act 1972 (up to £1 million).
Professional treatment
- Cover specifically for injuries or damage resulting from treatments carried out by the business.
- Examples include reactions to products or treatment mishaps.
Employers Liability
- Up to £10 million of cover.
- Covers claims from employees who suffer an injury or illness arising from employer negligence.
- Requires details of all staff, including roles such as qualified therapists, trainees, or administrative team members.
- Legally required for salons employing staff—whether full‑time, part‑time, or voluntary.
- Does not include professional instruction or teaching (Professional Indemnity is not included).
Property Damage
Cover for accidental loss or damage to your salon’s physical assets, with protection across several key areas:
Equipment away from premises
- Covers portable business equipment used off‑site, ideal if staff occasionally work at events or external locations, against damage or theft within territorial limits.
Glass
- Covers fixed salon glass, including decorative designs, signage, and protective fittings.
Stock in trade
- Protection for salon stock used or sold as part of your services, such as skincare, nail products, or retail lines.
Business Content
- Covers furniture, fixtures, tools, computer hardware, and employees’ personal effects (up to £500 per person).
- Excludes jewellery, furs, money, and motor vehicles.
Tenant improvements
- Covers improvements you’ve made to a rented or leased space that you are contractually responsible for—such as flooring, built‑in units, or fixed treatment stations.
Buildings
- Includes the buildings of the insured’s business premises where the insured is responsible, including shop fronts, landlord’s fixtures and fittings, fixed sanitary ware, and associated external features.
Money, Assault, Employee dishonesty
Money
- Protection for loss or theft of business money under defined limits (e.g., £2,500 for transit or safe storage).
- Cover applies at the premises, in transit, at employees’ homes, and in vending machines.
Assault
- Provides financial support if you or a team member is injured due to a robbery or attempted robbery.
- Includes a £10,000 capital benefit and £100 weekly benefit for temporary total disablement.
Employee Dishonesty
- Covers up to £5,000 for losses caused by dishonest acts of employees involving money or property.
Business interruption
- Protects your salon’s income following disruption caused by an insured Property Damage claim.
- Up to £500,000 loss of income (up to 24 months)
- £10,000 Increased Cost of Working to help keep operations running.
- £2,000 Book Debts if outstanding client or supplier payments cannot be recovered.
Cover may be triggered by:
• property damage
• utility or internet failure
• denial of access
• public authority restrictions
• supplier failure
• loss of attraction
Not available online for salons with an annual turnover above £250,000 (requires underwriter review).
- Teaching, training, or professional instruction (Professional Indemnity is not included).
- Damage to third‑party property that is not connected to the salon’s business activities.
- Any property damage where required building or safety conditions (e.g., security, fire protection) are not met.
- Premises left unoccupied for more than 7 consecutive days.
- Storage of highly flammable or hazardous substances.
Certain exclusions may apply under each cover section as defined in the policy wording, please refer to policy documentation.
Why do massage therapists need insurance?
Clients seek massage therapy for many reasons, from managing stress and anxiety to relieving chronic pain, supporting injury recovery, or improving overall wellbeing. As a massage therapist, you use your skills and knowledge to provide hands-on care designed to help clients feel better, physically and emotionally.
But even with the highest level of professionalism and care, things don’t always go to plan. A client may react unexpectedly to a technique, experience discomfort after a session, or have a pre-existing condition they didn’t disclose. Accidents can also happen in your treatment space, leaving you vulnerable to claims, regardless of your intent.
That’s why having specialist massage therapist insurance is so important. It protects you and your practice if something goes wrong, giving you the freedom to work with confidence, knowing you’re covered.
Massage insurance can help safeguard against a range of potential issues. Here are some common scenarios it can cover:
Protection should a client get injured in a session.
During a massage therapy session if a client slips on a dropped towel and hurts themselves, for example, this could be considered your responsibility and might result in a claim against you.
Having public liability insurance for massage therapists can protect you against these incidents avoiding the expense of a claim yourself.
Protection against allegations of negligence.
You might suggest some exercises to your client, whilst providing massage therapy, to address a clients’ specific needs. If they follow your suggestions and experience an adverse reaction, they may accuse you of negligence and bring a claim against you.
Having professional indemnity insurance for massage therapists included in your policy is the cover you need to ensure you are protected from these situations.
Avoid costly massage equipment repairs and replacements.
You may own specialist massage equipment, which is essential to the service you offer day-to-day. Your massage table could become damaged whilst taking it on mobile appointments and being without it could have a serious impact on your service.
Massage therapist equipment cover will protect these expenses to the value you are insured for enabling to get repairs or a replacement made and minimise the cost to your service.
Protection if a workplace accident prevents you earning.
You are also at risk from a workplace accident. Suppose you trip and fall during a massage session, whether at a fixed place of work of at a client’s home. The injury could mean you need to take some time off work, leading to loss of earnings.
You can avoid financial loss like this with personal accident cover, which can provide you with financial support until you can get back to work.
Our experts explain why...
“For massage therapists having specialist insurance, designed specifically for qualified massage professionals and massage businesses can protect you financially if a treatment results in injury, damage to a client’s property and other incidents.
We support self-employed massage therapists, studio owners, contractors and mobile practitioners, whether you operate from your own clinic, rent a room within a salon, or provide treatments in clients’ homes.
Our massage business policies are built around the realities of running a massage practice. In addition to covering liability claims arising from treatments, they can also protect your essential equipment, helping you recover quickly if something goes wrong and ensuring your income, professional reputation and business continuity remain secure.”
Mandy Czyz – Senior Underwriter, Protectivity
How much does massage therapy insurance cost?
At Protectivity massage policies start at just £3.14 per month.*
Securing massage therapist insurance is a safeguard to maintain your own healthy state of mind and uphold professional standards.
There are varying factors that will influence the exact amount you pay for therapy insurance. It could be you have high-value specialist equipment that you need to cover, which will influence your overall price.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Massage Therapist
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Third Party Property Damage
£750
This example is based on a real quote from our website on 05/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your massage therapy insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Do you cover massage students?
No, our Therapist Insurance policy will only protect those who qualified in their chosen treatments. The qualification must be obtained by an accredited awarding body.
Do you need to see my massage therapy qualification certificates?
No. You will only need to produce your qualification certificate(s) in the event of a claim. When you purchase your insurance we will ask you to declare that you have a suitable qualification for the activity that you require cover for.
Do I need insurance if I’m just starting out as a massage therapist?
Yes, it’s advisable to have insurance from the moment you start practicing. Our policy covers you for claims made during the period specified when taking out the policy, arising from any act, error or omission occurring on or after the retroactive date specified in the policy schedule. This protects you from potential claims right from the start of your career.
Does your insurance for massage therapists cover me if I work from home, in a salon, or as a mobile therapist?
Yes, our insurance covers you regardless of where you practice – whether it’s from your home, in a rented space, a salon, or as a mobile therapist visiting clients. Our policy refers to this as your “Business Venue,” which includes purpose-built venues where you have permission to undertake business activities.
Can I add or remove therapies from my policy mid-term?
Yes, you can add or remove therapies to your policy. Should you wish to make modifications to your insurance for your massage therapy business, please contact us to add or remove therapies from your existing policy. Any changes may affect your premium.
Am I covered for working at events or exhibitions?
Yes, our insurance policy covers you while working in connection with your business, which would include events or exhibitions. However, if you’re organising the event itself, you might need additional event insurance.
Do I need insurance if I’m only working part-time or occasionally?
Yes, as long as you’re practicing massage therapy as part of your declared business, you should have insurance for massage therapists, regardless of how often you work.
Is my massage equipment covered under this insurance?
Equipment coverage is available as an optional add-on. If selected, it covers accidental loss, damage, or theft of your business equipment up to the limit stated in your policy schedule.
I’m a qualified massage therapist but I’m also studying a new therapy. Am I covered to practice this new therapy?
You’re only covered for therapies you’re fully qualified in and have declared at the time of purchase. If you’re still studying, you’re not covered to practice that therapy professionally until you’re qualified. You can add new therapies to your policy once you’re certified.
What happens if I take a break from practicing? Can I suspend my insurance?
If you’re taking an extended break, you may need to cancel your policy. However, be aware that any claims made for past work would not be covered once the policy is cancelled. It’s best to contact the insurer to discuss the best option for your situation.
Does this insurance cover me for working abroad as a massage therapist?
Our standard policy covers you for in the United Kingdom. If you need coverage for work abroad, you should contact the insurer to discuss international coverage options.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 05/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data