Massage Insurance for Independent Therapists and Small Studios 
Do massage therapists need insurance?
Affordable Coverage and Liability Protection for Massage Businesses
As a massage therapist, your clients rely on your expertise and care, and your insurance should offer the same support. At Gild, we provide massage insurance tailored to small wellness businesses and independent practitioners. Whether you operate your own studio or offer mobile services, our plans include essential coverage like massage liability insurance to protect against claims and unexpected risks. With affordable options and flexible plans, you get the right protection without the guesswork. Discover insurance that lets you focus on healing while we take care of your business.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Reliable Coverage for Every Session and Service You Provide
Every session, technique, and client interaction comes with responsibility. That’s why Gild Insurance’s massage insurance is designed to safeguard your work and your space. Our flexible coverage helps protect against liability claims, equipment damage, and service-related incidents. Whether you run a private studio or offer mobile treatments, we provide expert-backed1 coverage that fits your business today and supports your long-term growth. With Gild, reliable protection is always within reach.
Why Massage Liability Insurance Matters
Massage therapy is a hands-on profession, and with that comes unique risks. One claim, whether it’s a client injury, an accusation of improper technique, or damage to your space, could jeopardize your livelihood. Gild’s massage liability insurance helps protect against legal costs, settlements, and unexpected expenses, giving you the security to keep your focus on your clients.
Massage Therapist Insurance Designed For You!
Just like every client has unique needs, every massage practice is different. That’s why Gild offers tailored massage therapist insurance coverage options, including:
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General Liability Insurance – Protects against accidents or injuries that occur during a session.
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Professional Liability Insurance – Covers allegations of improper technique, negligence, or inadequate care.
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Business Property Protection – Helps replace or repair massage tables, oils, and equipment if damaged or lost.
The best way to find your massage therapist insurance is to get a free, online quote in minutes!
Understanding Massage Therapy Insurance Cost
Massage therapy insurance cost can vary, but generally, Gild Insurance customers’ policy coverages start at $250 annually.
Here are a few factors that influence massage therapy insurance cost:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your massage therapy insurance cost is to get a free, online quote in minutes!
The Right Insurance For Massage Therapists
Wellness isn’t just for the people you serve, it’s for you, too. Gild Insurance supports bodywork professionals with affordable, personalized insurance that keeps your business protected and your reputation secure. Whether you’re an independent therapist or part of a studio team, our plans grow with your practice so you can continue to provide care with confidence.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Massage Insurance Today!
Your massage business is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands wellness businesses and provides the tools and support you need to stay steady when the unexpected happens.
1 https://www.ibisworld.com/united-states/industry/massage-services/6028/
Frequently Asked Questions
Yes! Insurance is essential for protection, compliance, and credibility:
- Legal protection: Keeps you covered if a client sues over treatment mishaps.
- Professional requirements: Some states or venues require proof of liability insurance.
- Workplace safety: OSHA classifies massage under "first aid", so liability and property coverage safeguard practitioners .
- Business security: Covers claims for slip-and-falls, equipment loss, or client injuries.
How much is massage therapy insurance?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
What is massage insurance?
Massage insurance is a tailored set of policies designed to protect your wellness practice, often including:
- Professional liability – covers claims from injuries or treatment errors
- General liability – insures against slips, burns, or property damage
- Product liability – protects if a product you use causes harm
- Property coverage – for theft or damage to your own tools and equipment
Gild crafts comprehensive insurance strategies so you can practice with peace of mind.
What types of massages are covered by insurance?
Most professional liability and general liability policies cover widely practiced massage modalities, including:
- Swedish, deep tissue, and sports massage
- Hot stone, Thai, chair, and prenatal massage
- Additional modalities like cupping, reiki, or acupressure, depending on your policy
Let's Protect Your Practice Today!
Get Covered
