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Massage therapist insurance

Join our family of approximately 15,000 wellbeing and therapy customers who get comprehensive cover, at a competitive price.

Insurance for massage therapists

As a massage therapist, whether treating sports injuries through sports massage, enhancing relaxation and health through deep tissue massage or naturopathy or helping people with health and wellbeing issues, you focus on helping clients feel relaxed and rejuvenated. Insurance takes care of any unexpected bumps along the way. It can help defend against a client’s injury claim, protect your equipment, or provide cover in case you can’t work due to an injury.

It gives you peace of mind so you can keep doing what you love without the stress of legal, financial or accident worries. With insurance in place, you can continue providing the calming, healing touch your clients rely on, focusing on making every session a soothing success.

 

Massage therapist insurance arranged by Oxygen™ features a range of benefits:

  • Comprehensive massage therapist insurance cover from as little as £1.79 per week (or £1.36 if you are a student).1
  • This includes a 20% discount for members of recognised professional associations, such as the CNHC – Complementary and Natural Healthcare Council.
  • £10 million of public liability insurance when you take out professional indemnity and malpractice cover.
  • Personal accident cover can be added to protect you if you have an accident or physically injured.
  • No excess on the core wellbeing insurance.2
  • Oxygen’s award-winning customer service.3
  • Trusted by over 15,000 wellbeing and therapy customers.
  • Underwritten by well-known UK-based insurer for financial security.
  • 24-hour commercial assistance and legal helpline.

Get massage therapist insurance now

Buy online in a matter of minutes. However, if you need advice please give us a call.

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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.

Get massage business insurance cover now

If you’re unsure on what cover you require, simply call us to receive your FREE, no obligation business insurance check. Alternatively, if you know what cover you need you can get an online quote in a matter of minutes.

Why choose Oxygen™ to arrange your protection?

As a massage therapist, we understand your commitment to helping clients achieve relaxation, pain relief, and overall wellbeing through your skilled touch. While this work is deeply rewarding, it also comes with risks to you and your practice. That's why having the right insurance policy in place, offering the protection you need, is essential.

Our cover aims to give you peace of mind, for you and your business, including:

  • Protection: the professional liability insurance we arrange protects you so you can focus on supporting your clients.
  • Professional advice and support: Throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We're here to support you should you need to make a claim.
  • Saving you time: Getting a quote and buying your insurance online is quick. If you'd prefer to speak to a member of our experienced team, we're here to give you the help you need.
  • Trusted and dependable: Award-winning Oxygen™ is part of Marsh, the world’s leading insurance broker and risk advisor. We use our size and scale to negotiate comprehensive and competitive insurance for your benefit. Working with trusted AA+-rated insurers to underwrite the cover ensures they have financial stability and are dependable in the unfortunate event of a claim.

1 How we work out example prices. Customers will pay £92.32 a year for professional indemnity of £1.5m if they are also a member of one of the recognised professional bodies that receive 20% discount from us. £1.79 per week is based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. This is the prices from amount as customers have the option of increasing their level of cover and therefore may pay more than this.

2 No excess applies to the core therapists insurance (public liability, professional indemnity, employers liability, directors and officers), however, for any additional insurance taken certain excess may apply. Please contact us for details.

3 In 2023, Oxygen™ proudly received the Feefo Gold Trusted Service Award for excellence in customer service.

Frequently asked questions

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Massage therapists need insurance to safeguard against risks while delivering their wellbeing treatments. It covers the defence costs for claims such as poor advice, malpractice, negligence, and injury or property damage during treatment.

This insurance is often needed to meet professional body membership or contractual agreements with businesses.

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Yes, massage therapists may need professional indemnity (PI) insurance to cover the advice given to clients during treatments. PI may often be a requirement for professional body membership and contractual agreements with businesses.

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It's difficult to recommend a specific cover level for a massage therapist. There are various levels of cover to choose from, ranging from £1.5 million to £10 million. Your broker can advise you, but selecting the highest cover you can afford within your budget is recommended.

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The price of massage therapist insurance depends on your specific situation and any additional optional cover you include. Oxygen's policy begins at £93.42 annually, but the best approach is to request a free quote to obtain an accurate cost estimate.

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The insurance massage therapists need depends on their situation. Typically, they'll require product liability and professional indemnity insurance.

Your insurance broker may suggest additional cover, such as cyber insurance, cover for contents such as computer equipment, and employers liability insurance if you employ staff.

If you're a mobile massage therapist, you may also need cover for vehicles used for work and public liability insurance for working in people's homes. And if you train others to be massage therapists, you may also need teacher training insurance.

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Legally, you must have employers liability cover in place from the day your practice starts employing staff. There is limited exceptions to this, for example if you only employ immediate family members (see: www.gov.uk/employers-liability-insurance). Whether paid or not, you are at risk of legal action from the moment you have any person for whom you are responsible. Even if you employ immediate family members, having employers liability insurance is typically still recommended to help protect you.

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We provide discounts for members of the following professional bodies:

  • ABP – The Association for Business Psychology.
  • AC – The Association for Coaching.
  • ACC – The Association of Christian Counsellors.
  • ACP – The Association of Child Psychotherapists.
  • APHP – The Association for Professional Hypnosis and Psychotherapy.
  • Barefoot Coaching.
  • BACP – British Association for Counselling and Psychotherapy.
  • BABCP - British Association for Behavioural and Cognitive Psychotherapies.
  • BPC – British Psychoanalytic Council.
  • BPS – British Psychological Society.
  • CPD – Chartered Institute of Personnel and Development.
  • CMC – Civil Mediation Council.
  • CNHC – Complementary and Natural Healthcare Council.
  • CoM – College of Mediators.
  • COSCA – Counselling and Psychotherapy in Scotland.
  • CORST – College of Sexual and Relationship Therapists.
  • EMCC – European Mentoring and Coaching Council.
  • FMA – The Family Mediators Association.
  • GHR – General Hypnotherapy Register.
  • HCPC – Health & Care Professions Council.
  • ICF – International Coach Federation.
  • NCH – The National Council for Hypnotherapy.
  • NCS – The National Counselling Society.
  • PTUK – Play Therapy United Kingdom.
  • UKATA – The Association for Transactional Analysis.
  • UKCP – The United Kingdom Council for Psychotherapy.

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There are a range of therapy professionals covered by Oxygen Insurance, including:

  • Aromatherapy
  • Art therapy
  • Bowen Technique
  • Business coaching
  • Business executive coaching
  • CBT
  • Coaching
  • Cognitive Behavioural Therapy (CBT)
  • Counselling
  • Cupping
  • Dyslexia coaching
  • Education consultancy school inspections
  • Equine assisted therapy
  • Health and lifestyle training
  • Homoeopathy
  • Hypnotherapy
  • Life Coaching
  • Management consultancy
  • Massage
  • Mediation
  • Mentoring
  • Music therapy
  • Naturopathy
  • NLP
  • Nutritional therapy
  • Pilates
  • Psychology
  • Psychotherapy
  • Reflexology
  • Reiki
  • Some alternative therapies
  • Spiritual counselling
  • Sports massage
  • Stress management
  • Thai Chi.

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Equally important to the policy is the support you get in the event of a claim.

Our in-house customer service team will stand by you and support you throughout the process of making a claim. We're committed to being there when it matters most.

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Access your account and policy documents 24/7 through our client service portal. It's convenient and eco-friendly, reducing the need for printed policies with our digital approach.