When it comes to hands-on massage therapy, there’s always a risk that a client could get hurt or property could be damaged. That’s why massage therapist insurance matters — it helps protect you legally and financially from unexpected accidents and claims.
Massage therapy insurance is designed to help protect massage therapists from the financial risks that come with running a practice, including client injuries, property damage, and legal claims. It typically includes:
Even with proper technique and careful attention to client needs, accidents can happen. A client could claim your massage caused an injury, a visitor could slip in your treatment room and get hurt, or you could accidentally damage someone else’s property — and these situations can get expensive quickly.
Massage therapy liability insurance helps protect you from these risks, which is why many employers, studios, and clients may expect you to carry it.
Massage therapist insurance can help protect you from:
Accidents that result in bodily injury
If someone trips and gets hurt in your studio or treatment space, you could be liable for paying medical bills and other costs — not to mention legal fees if they sue.
Client injuries due to your massage work
A client could claim they were injured (or exacerbated an existing injury) because of improper massage technique.
Property damage during a session
If you damage someone’s property while working, including a client’s or studio owner’s, you might be responsible for paying to repair or replace it.
Lawsuits, legal fees & damages
If you’re sued for bodily injury, property damage, or personal injury, you’ll need a lawyer to defend you, and you may have to pay a hefty settlement.
Berxi’s customized massage therapy insurance is designed to protect you legally and financially from the risks you face every day, including client injuries and third-party property damage.
And, if you choose to add optional business personal property coverage, your Berxi policy can also help cover the costs of replacing your massage equipment if it’s damaged.
General liability insurance covers claims of third-party bodily injury or property damage that occur in connection with your massage services and business, as well as personal and advertising injury claims, such as libel or slander.
Plus, unlike other insurance companies, Berxi’s general liability policies include coverage for client injuries related to your massage services — at no extra charge. So if a client claims your treatment caused or worsened an injury, Berxi’s got you covered.
Examples include:
You can optionally add business personal property (BPP) coverage to your Berxi general liability policy to help pay for repairs or replacements if your business assets — like massage tables, linens, oils, or equipment — are damaged.
Examples include:
Berxi’s policies are designed with massage therapists and small studios in mind. Key benefits include:
If a client or visitor is injured at your place of business — for instance, by slipping and falling — your general liability policy can help cover their medical bills.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Unlike other insurance providers, Berxi’s general liability policies include professional incident coverage for bodily injury due to your massage work at no extra charge. That means if a client claims you caused them bodily injury during a massage or you aggravated an existing injury, your policy can help pay for medical bills, legal defense, and damages.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as privacy invasion and copyright infringement in your advertising.
If your business is sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your business will be protected from general liability claims resulting from employee actions: if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional endorsement, which can help repair or replace damaged or lost equipment, computers, inventory, furnishings, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can add workers’ compensation and cyber liability coverage from one of our trusted partners to your Berxi general liability insurance policy by speaking with our in-house customer support team.
Licensed massage therapists need general liability insurance to help protect themselves from claims related to client injuries, treatment complications, or property damage.
Independent contractors and mobile massage therapists benefit from coverage that follows them between locations, helping safeguard against risks in clients’ homes or rented spaces.
Even if you’re employed by a spa or clinic, having your own policy can provide additional protection if your employer’s coverage doesn’t fully cover individual claims.
Studio owners and small practice operators need broader coverage to help protect their businesses and employees from general liability and property-related claims.
Berxi’s general liability insurance starts at just $100/year for individual massage therapists and $350/year for massage therapy studios.
Your annual premium will depend on a few different factors, including:
Because we have no hidden costs or interest fees, massage therapists who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for massage therapy liability insurance is to get a quote.
With a financial strength rating of A++ from AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, add additional insureds, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your massage therapy work, including where you work, your business details, and your coverage needs. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, add additional insureds, or file claims — right from your phone or computer.
“I am setting up a new business, and Berxi made the process completely seamless. This was truly a huge relief and something I could check off my to-do list immediately.”
— Tara
“The best service one can ask for, provided without hesitation.”
— Giselle
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
— Jeremy
Yes, it’s highly recommended to have your own massage therapist insurance. Even if you’re employed by a spa or clinic, your employer-provided policy may not fully cover you in every situation. Having your own insurance helps fill coverage gaps and ensures you’re protected if a claim is made directly against you.
Berxi’s policies are designed to cover a very wide range of massage therapy modalities and techniques, as long as they fall within your training and scope of practice. It’s always a good idea to review your policy details to confirm coverage for any specialized services you offer. If you have questions about what a Berxi massage therapy liability insurance policy will cover, our in-house customer support team will be happy to answer your questions at support@berxi.com or 833.242.3794.
Yes. Berxi’s massage therapist insurance coverage can follow you wherever you practice, whether that’s in a studio, at a spa, or in a client’s home. This flexibility helps ensure you’re protected no matter where your work takes you.
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