Swedish Massage Insurance
Essential protection for qualified Swedish Massage therapists from £3.14 per month.*
- Public Liability up to £5 million
- Swedish massage studio cover available
- Get a quote in minutes
- Join over 180,000 customers**
From only £3.14* per month
Get a quote for your Swedish massage business
Select the policy that matches your business type.
Self-Employed / Mobile Swedish Massage Therapist
Swedish Massage Studio
What does Swedish massage insurance cover?
Our insurance for Swedish 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 a gym or wellness centre, our policy offers essential cover, to providing the protection you need to operate securely. You can focus on delivering high-quality Swedish massage treatments and achieving 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
Employers' Liability
Equipment
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.
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.
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).
- 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 you need Swedish massage insurance?
Clients may come to you for Swedish massage therapy for various reasons, seeking your professional expertise. You undoubtedly aim to provide them with the treatment they need, using your extensive experience. However, despite your best intentions, things can go wrong that are beyond your control, so it’s better to be prepared.
Specialist Swedish massage insurance can allow you to offer your services securely and with confidence knowing you are covered should a claim be made against you. These example scenarios highlight why Swedish massage insurance is so important:
Protection should a client get injured in a session.
During a Swedish massage therapy session if a client slips on a dropped towel and hurts themselves, this could be considered your responsibility and might result in a claim against you.
Having public liability cover 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 Swedish 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 in your policy is the cover you need to ensure you are protected from these situations.
Accidental damage to Swedish massage equipment.
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.
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 against a workplace accident that prevents you working.
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 Swedish 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.”
Mandy Czyz, Protectivity Underwriter
How much does Swedish massage insurance cost?
Investing in Swedish massage 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 Swedish massage insurance. It could be you have high-value specialist equipment that you need to cover, which will influence your overall price.
At Protectivity policies start at just £3.14 per month .*
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Swedish Massage Insurance
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 swedish massage 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
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
What qualifications do I need to be eligible for therapist insurance?
In order for us to provide cover for your chosen activity, you must have the relevant certificates or qualifications from a recognised and accredited UK training college or company covering the treatments, services or duties being carried out.
Is there a cooling-off period?
Yes, should you change your mind or wish to cancel your policy for whatever reason, we offer a full refund within 14 days of purchase provided the policy has not been relied upon, and no incidents have occurred which could result in a claim. Where cancellations are made after 14 days of the start date of the policy, as long as no claims have been submitted, for most policy types we will refund the proportion of the premium paid at the point of cancellation equivalent to the unused portion of the policy, less a Cancellation Fee.
How long will your therapy insurance cover me for?
All of our public liability insurance policies are annual.
Will you cover me if I operate abroad?
No, our cover will only protect you during your business activities carried out in the United Kingdom.
Can I amend my policy at any time?
Yes, we appreciate that circumstances can change. It’s important that you notify us of any changes that may affect your insurance, please call us on us on 01494 887 909 to discuss your requirements.
What if I train in new treatments or therapies whilst I am insured with you?
Providing the activity is one of the 250+ that we cover under this insurance, and you have qualified via an accredited awards body, then we can add it to your policy, and you will be covered. We ask that you call one of our team members on 01494 887909 (Mon-Fri, 9am-5:30pm).
Is Reflexology covered by insurance?
Yes, reflexology together with other 250 holistic related activities such as Craniosacral therapy, Reiki, and Hypnotherapy are covered under our policy.
How quickly will my documents come?
We will issue your insurance certificate immediately after you have paid for your insurance. They will be emailed to you instantly. We do not automatically send documents by post because we are conscious of our environmental footprint, but if you do require a paper copy, please email us at sales@protectivity.com or call us on 01494 887909 to arrange this.
Who underwrites your therapy insurance?
Our Therapist Insurance policy is underwritten by Peach.
Do you need to see my 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 you cover students?
No, our therapy insurance policies will only protect those who qualified in their chosen treatments. The qualification must be obtained by an accredited awarding body.
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