Insurance for massage therapists is similar to the insurance you need for any other business, particularly one that involves frequently dealing with the public. There are a few types of insurance you want to consider if you own a massage therapy outlet or work in one. These include:
Here are the types of insurance you're required to get if you're a massage therapist:
Public liability insurance protects you when you have your own massage parlour and someone injures themselves or damages something and it's not related to the service you provide, like if they trip and fall. It will also protect you if you accidentally damage something in a client's home.
The job of professional indemnity insurance is to protect you if something goes wrong with the service you provide. For example, if you accidentally injure someone while massaging them or if they react badly to some lotion you've applied.
An injury would probably make it difficult to continue giving massages. Personal accident insurance provides a source of income if an accident means you're temporarily unable to work.
*Note: Costs are based on average monthly premiums across all industries for $1,000,000 professional indemnity cover, $5,000,000 public liability cover and up to $1,000 a week in income protection for 2 years (with a 2-week waiting period).
According to data from our business insurance comparison tool, you can expect to pay around $23 a month for public liability cover and $23 for professional indemnity cover. In fact, it's unlikely you'll have to pay much more than this. However, how much you pay will depend on things like:
Yes. Mobile massage therapists need the same cover as those working in a clinic or salon, plus a couple of extra considerations:
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I need the most competitive quote possible for a student practitioner working from home. What can you offer?
Hi Helen
Quotes will depend on various factors – To get a quote simply click on the green ‘Get quotes online’ button. This will take you to an engine where you can compare prices from a few insurers.
I hope this helps,
Maurice
Can I purchase professional indemnity and public liability in a package.
I am doing seated massage at markets.
Hi Lorraine,
Thank you for your comment. You can buy both types of cover in a package. Simply hit the ‘Get quotes online’ button at the top of the page to choose cover options.
I hope this helps,
Maurice