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As a massage therapist, you’ll always have your clients’ wellbeing top of mind. After all, your role is to make them feel better.

It’s a rewarding and satisfying job when things go well and a patient leaves pain free. But if something goes wrong, or a patient alleges wrongdoing, having the right business insurance in place can potentially save you a lot of time and money.

As a massage therapist, you’ll always have your clients’ wellbeing top of mind. After all, your role is to make them feel better.

It’s a rewarding and satisfying job when things go well and a patient leaves pain free. But if something goes wrong, or a patient alleges wrongdoing, having the right business insurance in place can potentially save you a lot of time and money.

Written by
Anna McEntee
Insurance comparison expert
Last Updated
22 MARCH 2023
3 min read
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Why do massage therapists need insurance? 

All companies run into trouble sometimes, and massage therapy businesses are no exception. Here are some instances where having massage therapy insurance coverage in place can help:

  • You injure a customer during a massage and have to pay compensation
  • You’re injured and can’t perform massages
  • Your equipment is lost, stolen or damaged.

Some treatments are higher risk than others. So exactly what insurance you need will depend on the kind of therapy you offer.

As a masseuse, there are several insurance types worth considering, including four different types of liability insurance.

What insurance does a massage therapist need?

Depending on your circumstances, you may want to include the following types of liability cover as part of your insurance for massage therapy.

Public and product liability insurance

If you have a salon, parlour, or simply a room in your home where you treat clients, you need to consider public liability insurance. This can cover legal costs if you cause someone an injury or damage their property through your work. Let’s say they slip on massage oil you didn’t wipe away, or fall off a massage table you didn’t set up properly – you could be held liable.

You can also add product liability insurance to your massage insurance as an extra. This protects you if you use a defective product and someone makes a claim against you.

Employers’ liability insurance 

Another type of liability policy to consider is employers’ liability insurance. This is a legal requirement if you employ someone, and can protect you if they suffer an illness or injury resulting from their work and make a claim against you. The only exception is if you only employ immediate family members. However, if you're a limited company, with multiple directors, you're always legally required to have employers' liability insurance.

Professional indemnity insurance

Professional indemnity insurance (PI) can cover the cost of compensation claims if a client accuses you of negligence.

If an angry client decides to sue you or your company, legal costs could put you out of business. Having PI cover in place can offer valuable peace of mind.

What does massage therapist insurance cover?

Exactly what your insurance offers will depend on the policy and level of cover you choose. Basic insurance for massage therapists should cover you against theft or damage to your equipment, as well as against possible legal claims. However, you can reduce or extend your cover depending on your personal needs.

What insurance does a sports massage therapist need?

Like other types of massage therapists, sports massage therapists will need policies that include public liability and professional indemnity insurance. This should cover you if, for example, you accidentally injure a client causing them to miss a sports fixture.

Am I covered if I do other types of therapy?

If you offer other types of therapy, be sure to let your insurance provider know so you can make sure you have the right cover in place.

Am I covered while I’m training?

If you’re not yet qualified as a massage therapist, you’ll again need to let your insurance provider know. You should be able to find a policy, but may find your options are more limited.

Am I covered to train other people?

If you’re training other massage therapists as part of your work, you’ll need to tell your insurance provider so they can make sure you have the right cover in place. If the people you’re training are your employees, you’ll need employers’ liability insurance as the law requires it.

Compare prices for massage therapist insurance

Finding competitive liability insurance for massage therapists isn’t complicated – you can do it right here, right now. Use our public liability or employers’ liability comparison services to find the right deal for you. Compare with us today.

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Anna McEntee - Insurance comparison expert

Anna’s all about delivering fantastic insurance products at a great price. Value is the most important thing for Anna, as she cuts through the jargon and finds what’s most important and worth your hard-earned money.

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