Massage Therapist Insurance

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Essential Insurance for Massage Therapists

1. Professional Liability Insurance

Description: Covers claims of malpractice or professional negligence.

Example: A client alleges harm due to a massage technique.

2. General Liability Insurance

Description: Covers accidents in your business space, like slips and falls.

Example: A client falls over a rug in your studio.

3. Product Liability Insurance

Description: Protects against harm from products used or sold.

Example: Client reacts badly to an oil used during a session.

4. Commercial Property Insurance

Description: Covers your business property and equipment against damage.

Example: Massage equipment is damaged in a flood.

5. Workers’ Compensation Insurance

Description: Covers employee injuries and illnesses from work.

Example: An employee injures themselves while working.

6. Business Interruption Insurance

Description: Compensates for lost income during forced closures.

Example: A local emergency closes your business temporarily.

7. Cyber Liability Insurance

Description: Protects against data breaches and cyber threats.

Example: Sensitive client information is leaked online.

8. Commercial Auto Insurance

Description: Covers accidents when using a vehicle for business.

Example: A car accident occurs while driving to a client’s home.

9. Employment Practices Liability Insurance

Description: Protects against claims from employees about workplace issues.

Example: An ex-employee sues for alleged discrimination.

10. Health Insurance

Description: Covers personal medical expenses.

Example: You need surgery and require hospitalization.

Visit The Annuity Expert health insurance marketplace to shop for a personalized quote

11. Disability Insurance

Description: Provides income if you’re unable to work due to disability.

Example: A long-term injury prevents you from working.

Check out The Annuity Expert disability insurance marketplace

Comprehensive Insurance Coverage for Massage Therapists

Insurance TypeCoverage ScopeExample Incident
Professional LiabilityMalpractice/Negligence in ServicesInjury claim from technique
General LiabilityNon-professional accidentsClient falls in studio
Product LiabilityHarm from products used/soldAllergic reaction to oil
Commercial PropertyDamage to Business PropertyEquipment damaged in flood
Workers’ CompensationEmployee work-related injuries/illnessesEmployee injury during work
Business InterruptionLoss of income due to closureEmergency business closure
Cyber LiabilityData breaches/cyber-attacksClient data breach
Commercial AutoBusiness-related vehicle accidentsCar accident en route to client
Employment Practices LiabilityEmployment-related issuesLawsuit for alleged discrimination
Health InsurancePersonal medical expensesSurgery and hospitalization
Disability InsuranceIncome protection due to disabilityUnable to work due to injury


For massage therapists, having a comprehensive insurance plan is key to protecting both your personal well-being and your business interests. From client-related incidents to personal health issues, the right insurance safeguards against various risks, ensuring your focus remains on delivering exceptional service.

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Frequently Asked Questions

What types of insurance do massage therapists need to protect themselves and their clients?

Professional liability insurance, general liability insurance.

Are there specific insurance requirements for massage therapists in different states or countries?

Yes, insurance requirements for massage therapists may vary depending on the state or country they practice in.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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