Massage Therapy Insurance
Specialist cover for qualified massage therapists from £3.14* per month.
- 200 therapy activities covered
- Massage liability cover up to £5 million
- Join over 150,000 customers**
From only £3.14* per month
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 Indemnity
Third Party Property Damage
Equipment
Personal Accident
Professional Indemnity and Professional Treatment
- From £1 million to £5 million of cover.
- Protection from claims by a third-party (client or member of the public) who sustains injuries or has their property damaged as a result of your actions or advice that you provide.
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Third Party Property Damage
- Cover for any non-negligent loss or damage to others’ property that you may cause while providing your therapies.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Equipment
- From £500 to £3000 worth of cover
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Equipment Hire
- From £750 worth of cover
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Treatments you are not qualified to do.
- Treatments that are not listed on your proposal form and subsequent schedule of insurance.
- Any services provided overseas.
- Prescription or supply of medicines and other pharmaceutical.
- The use of non-proprietary products to aid your therapy.
For further information on exclusions in your cover 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...
“As a massage therapist, you have a passion to provide a very specialist service to customers who lean on your expertise to aid them with whatever reason they have contacted you. Equally, as insurers of this industry we pride ourselves on providing specialist cover to meet your requirements and we have spent the time to ensure our breadth of cover, meets the situations you may face as a result of experiencing financial losses. We recognise over 200 niche therapies ranging from talking therapies to spiritual therapies. Our products primary coverage is for liability cover, not just for allegations from other people who suggest your actions have given rise to them becoming injured but our cover also covers negligent advice around treatment you give, so you can feel confident when providing your therapy.”
Chris Trotman, Protectivity Underwriting Manager
How much does massage therapy insurance cost?
At Protectivity 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 1/10/2024. 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 150,000 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 01/10/2024. 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 Sep 2024
¹Based on live Feefo data