What type of massage therapy insurance do you need?
It's important to have professional liability insurance policies to protect yourself and your massage therapy business from risks.
As a massage therapist, you may need the following protection:
- Public liability insurance to protect against potential client injuries on your premises.
- Professional indemnity cover to safeguard you if a client claims negligence or malpractice.
- Personal accident insurance if you're unable to work through accidental physical injury.
- Business equipment insurance to cover the cost of replacing the tools and equipment you need to carry out your therapy if they are lost or damaged.
- Legal expenses insurance to cover legal costs and legal fees involved for incidents such as contract disputes, tax protection and debt recovery.
What does a massage therapist's insurance policy typically cover?
Public and product liability
As standard, we provide £10 million in insurance covering your public liability. This ensures your protection in case of accidental bodily injury or property damage resulting from negligence, like a client experiencing a trip-and-fall incident within your therapeutic practice space, whether at home or in a clinic, spa, or sports centre.
Professional indemnity and malpractice
This insurance protects against claims related to your work as a massage therapist. Suppose a client alleges that your actions or guidance during a deep tissue massage or sports massage resulted in their injury or mental illness. You may need to defend your massage technique or approach in that case. It offerscivil liability, not just for professional negligence, giving you peace of mind. There are five levels of cover to choose from, ranging from £1.5 million to £10 million. With this cover, you automatically get £10 million public liability cover.
Personal accident
Without insurance, you could face extensive income loss if you can’t treat your clients due to an injury you sustained while working or outside your professional practice. Not to mention any potential medical expenses you may incur. Personal accident insurance is an optional upgrade that provides financial support, ensuring you can cover your expenses and maintain your quality of life while you recover. There are three levels of cover available:
- £5,000 death and injury lump sum or £50 weekly benefit.
- £10,000 death and injury lump sum or £100 weekly benefit.
- £25,000 death and injury lump sum or £250 weekly benefit.
If you require higher cover limits please speak to one of our advisors who can arrange an alternative quotation.
Complaints and disciplinary hearings
You'll receive special assistance responding to a complaint made against you to your professional body or regulators. We're here to support you, including giving specialised help in preparing your response and legal representation at or leading up to disciplinary hearings.
Crisis containment
Get up to £25,000 coverage for managing and mitigating crises specific to your therapeutic approaches. You might face situations that could harm your reputation or financial stability as a massage therapist. This cover helps with crisis management expenses, public relations, legal support, response planning, and reputation protection.
Directors and officers liability
If you're a limited company, you'll receive up to £100,000 cover for key individuals facing allegations of personal wrongdoing – with the option to increase this up to £2 million. This protects directors, officers, partners, and other leaders in case of accusations like breach of duty, trust, negligent errors, defamation, or health and safety failure.
Transfer of client records: Get up to £5,000 for assistance with destroying or transferring client files to another similar business if you die or permanently unable to work due to a disablement.
What's not insured?
- Public and products liability insurance claims brought in US or Canadian courts are excluded.
- Professional indemnity insurance claims brought in US or Canadian courts are excluded. The policy can be extended to include US/Canada jurisdiction – price and options are subject to terms and conditions.
We’re always transparent about what’s included or excluded in the business insurance we arrange. Please note this list above is not exhaustive and as with all insurance – terms, conditions and exclusions apply. Please contact us for full details.