Do massage therapists need insurance?
Yes — in nearly every U.S. state. Most states require licensed massage therapists to carry General Liability before they can operate. Here's what to buy, what it costs, and which carriers serve the trade.
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| General LiabilityGL | Required | $300.00–$650.00/yr |
| Professional Liability / E&OPL/E&O | Recommended | $250.00–$600.00/yr |
| Business Owner's PolicyBOP | Optional | $400.00–$1100.00/yr |
| Commercial AutoCA | Optional | $600.00–$1400.00/yr |
| Commercial PropertyCP | Optional | $400.00–$1200.00/yr |
| Inland Marine / Tools & EquipmentIM | Optional | $150.00–$400.00/yr |
Cost breakdown
- ·Independent vs. spa
- ·Mobile massage
- ·Revenue
Many state licenses and spas require liability coverage to practice.
- ·Modalities offered
- ·Medical claims
Covers claims that your technique caused injury or harm (often bundled with GL in a massage liability policy).
- ·Studio
If you lease a private practice space.
- ·Mobile massage
If you travel to clients for mobile massage.
- ·Studio ownership
If you own/lease a space.
- ·Table value
Covers a portable massage table and supplies, especially for mobile massage.
Best carriers for massage therapist
Frequently asked questions
Do massage therapists need insurance?+
Most states require liability insurance to hold a massage license, and most spas require independent contractors to carry it. A combined general/professional liability policy is standard.
How much does massage therapist insurance cost?+
A combined general and professional liability policy typically costs $250–$650 per year. Many associations bundle both into a single annual policy.
Do I need insurance if I work at a spa?+
Usually yes — most spas classify therapists as independent contractors and require you to carry your own liability policy. The spa's insurance protects the spa, not you.
Related professions
We may earn a commission when you click our affiliate links. This does not affect our editorial independence. Content is general information, not legal or insurance advice.