Massage Therapists
Massage Therapist Liability Insurance & Member Benefits
Natural Assurance gives massage therapists business liability insurance, member-only discounts, and expert growth tools in one simple membership—built for studio, spa, mobile, and wellness-based massage practices.
COVERAGES
COVERAGES
Protection, perks, and business insights tailored for independent massage professionals.
With Natural Assurance, your membership includes professional and general liability insurance tailored to massage therapy—from therapeutic and deep tissue massage to sports recovery and relaxation techniques. Coverage extends to product use, personal and advertising injury, fire damage to rented premises, and small medical payments for covered incidents.
COVERAGES
Protection, perks, and business insights tailored for independent massage professionals.
With Natural Assurance, your membership includes professional and general liability insurance tailored to massage therapy—from therapeutic and deep tissue massage to sports recovery and relaxation techniques. Coverage extends to product use, personal and advertising injury, fire damage to rented premises, and small medical payments for covered incidents.
Get Covered in Minutes
Get Covered in Minutes
Get Covered in Minutes
Membership Benefits Built for Massage Therapists
Natural Assurance is more than a policy—it's a membership built for wellness professionals, including independent massage therapists. Your coverage comes with access to a powerful discount marketplace, curated business insights, and options to explore group-level health benefits as a self-employed practitioner.
Protect Your Business
Professional and general liability insurance included with your membership.
Coverage that supports you in spas, clinics, studios, mobile locations, and events.
Instant digital proof of coverage you can share with landlords, employers, or event hosts.
Stretch Your Budget
Access to a members-only discount marketplace with savings on travel, dining, and wellness tools.
Discounts on massage tables, oils, scheduling software, and business essentials.
Everyday savings that help offset the cost of running an independent massage practice.
Grow Your Practice
Expert-written content tailored to wellness professionals—articles, checklists, and growth guides.
Tips on client retention, gift card promotions, and building a referral-based massage business.
Marketing insights to help you attract new clients, improve reviews, and grow your reputation.
Protect Your Business
Professional and general liability insurance included with your membership.
Coverage that supports you in spas, clinics, studios, mobile locations, and events.
Instant digital proof of coverage you can share with landlords, employers, or event hosts.
Stretch Your Budget
Access to a members-only discount marketplace with savings on travel, dining, and wellness tools.
Discounts on massage tables, oils, scheduling software, and business essentials.
Everyday savings that help offset the cost of running an independent massage practice.
Grow Your Practice
Expert-written content tailored to wellness professionals—articles, checklists, and growth guides.
Tips on client retention, gift card promotions, and building a referral-based massage business.
Marketing insights to help you attract new clients, improve reviews, and grow your reputation.
Protect Your Business
Professional and general liability insurance included with your membership.
Coverage that supports you in spas, clinics, studios, mobile locations, and events.
Instant digital proof of coverage you can share with landlords, employers, or event hosts.
Stretch Your Budget
Access to a members-only discount marketplace with savings on travel, dining, and wellness tools.
Discounts on massage tables, oils, scheduling software, and business essentials.
Everyday savings that help offset the cost of running an independent massage practice.
Grow Your Practice
Expert-written content tailored to wellness professionals—articles, checklists, and growth guides.
Tips on client retention, gift card promotions, and building a referral-based massage business.
Marketing insights to help you attract new clients, improve reviews, and grow your reputation.
PRICING
PRICING
Simple Pricing For All
Flexible plans that fit your budget & scale with needs.
PRICING
Simple Pricing For All
Flexible plans that fit your budget & scale with needs.
Basic Plan - Starting at:
$17.50
/month
Solid coverage for foundational protection.
$1M Coverage Per Occurrence
$2M Aggregate Coverage
$1M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Premium Plan - Starting at:
Popular
+$1.58
/month
Combined with the Basic Plan, you can enhance coverage for less than 2/month and gain greater peace of mind and protection.
$2M Coverage Per Occurrence
$3M Aggregate Coverage
$2M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Basic Plan - Starting at:
$17.50
/month
Solid coverage for foundational protection.
$1M Coverage Per Occurrence
$2M Aggregate Coverage
$1M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Premium Plan - Starting at:
Popular
+$1.58
/month
Combined with the Basic Plan, you can enhance coverage for less than 2/month and gain greater peace of mind and protection.
$2M Coverage Per Occurrence
$3M Aggregate Coverage
$2M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Basic Plan - Starting at:
$17.50
/month
Solid coverage for foundational protection.
$1M Coverage Per Occurrence
$2M Aggregate Coverage
$1M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Premium Plan - Starting at:
Popular
+$1.58
/month
Combined with the Basic Plan, you can enhance coverage for less than 2/month and gain greater peace of mind and protection.
$2M Coverage Per Occurrence
$3M Aggregate Coverage
$2M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Designed for Modern Massage Therapists
Designed for Modern Massage Therapists
Designed for Modern Massage Therapists
Why Massage Therapists Need Liability Insurance
Every massage session involves physical touch, which means risk: a client could claim increased pain, soft tissue injury, or inappropriate technique. Liability insurance helps protect your massage therapy practice from the cost of claims related to treatment outcomes, physical injury, or misunderstandings in care.
Soft Tissue Injury Claim
A client alleges your deep tissue massage left them with prolonged soreness and bruising that interfered with their mobility and work.
Professional liability coverage can help with legal defense and eligible costs if the client files a claim alleging harm from your technique.
Soft Tissue Injury Claim
A client alleges your deep tissue massage left them with prolonged soreness and bruising that interfered with their mobility and work.
Professional liability coverage can help with legal defense and eligible costs if the client files a claim alleging harm from your technique.
Soft Tissue Injury Claim
A client alleges your deep tissue massage left them with prolonged soreness and bruising that interfered with their mobility and work.
Professional liability coverage can help with legal defense and eligible costs if the client files a claim alleging harm from your technique.
Slip-and-Fall in Studio
A client trips on a mat near your massage table and falls, resulting in a wrist injury and medical bills.
General liability coverage can help with eligible medical expenses and legal fees from accidents that occur in your space.
Slip-and-Fall in Studio
A client trips on a mat near your massage table and falls, resulting in a wrist injury and medical bills.
General liability coverage can help with eligible medical expenses and legal fees from accidents that occur in your space.
Slip-and-Fall in Studio
A client trips on a mat near your massage table and falls, resulting in a wrist injury and medical bills.
General liability coverage can help with eligible medical expenses and legal fees from accidents that occur in your space.
Essential Oil Reaction
A client experiences a skin rash after you use an oil blend during treatment and demands compensation for dermatology visits.
Products and services coverage can help respond to claims involving items you use or recommend during sessions.
Essential Oil Reaction
A client experiences a skin rash after you use an oil blend during treatment and demands compensation for dermatology visits.
Products and services coverage can help respond to claims involving items you use or recommend during sessions.
Essential Oil Reaction
A client experiences a skin rash after you use an oil blend during treatment and demands compensation for dermatology visits.
Products and services coverage can help respond to claims involving items you use or recommend during sessions.
FAQS
Frequently Asked Questions
Find quick answers to the most common questions.
What does professional liability insurance cover?
Professional liability insurance protects you from claims related to mistakes or negligence during your services, such as a client injury caused during a treatment.
What does general liability insurance cover?
General liability insurance covers claims for bodily injury or property damage that occur during your services, like a client slipping in your studio.
What are the policy limits for my coverage?
Our policy starts at $1,000,000 per occurrence with a $2,000,000 aggregate limit, with the ability to increase.
What services are excluded?
Certain high-risk services like Brazilian waxing, Botox, and chemical peels are excluded. For a complete list, check our policy details page.
Does this insurance cover my employees?
No, this policy does not cover employees. However, independent contractors can purchase their own policy and add you as an additional insured.
Do I need separate policies for different services?
No, our insurance covers all the services you offer under one policy, whether you’re a massage therapist, yoga instructor, or esthetician.
What does product liability insurance cover?
Product liability insurance protects you if a product you use in your services causes harm to a client, such as an allergic reaction to skincare products.
How long does my policy last?
The policy lasts for one year from the date of purchase, with the option to renew annually.
Do you cover mobile businesses?
Yes! Our coverage moves with you, whether you’re working in a studio, at a client’s home, or on the go.
Why is insurance important for my business?
Insurance safeguards your business from unexpected claims like accidents or negligence, ensuring you can focus on growing your business without worrying about potential legal or financial risks.
What are the policy limits?
We offer industry-leading limits, up to $3,000,000 in aggregate coverage.
FAQS
Frequently Asked Questions
Find quick answers to the most common questions.
What does professional liability insurance cover?
Professional liability insurance protects you from claims related to mistakes or negligence during your services, such as a client injury caused during a treatment.
What does general liability insurance cover?
General liability insurance covers claims for bodily injury or property damage that occur during your services, like a client slipping in your studio.
What are the policy limits for my coverage?
Our policy starts at $1,000,000 per occurrence with a $2,000,000 aggregate limit, with the ability to increase.
What services are excluded?
Certain high-risk services like Brazilian waxing, Botox, and chemical peels are excluded. For a complete list, check our policy details page.
Does this insurance cover my employees?
No, this policy does not cover employees. However, independent contractors can purchase their own policy and add you as an additional insured.
Do I need separate policies for different services?
No, our insurance covers all the services you offer under one policy, whether you’re a massage therapist, yoga instructor, or esthetician.
What does product liability insurance cover?
Product liability insurance protects you if a product you use in your services causes harm to a client, such as an allergic reaction to skincare products.
How long does my policy last?
The policy lasts for one year from the date of purchase, with the option to renew annually.
Do you cover mobile businesses?
Yes! Our coverage moves with you, whether you’re working in a studio, at a client’s home, or on the go.
Why is insurance important for my business?
Insurance safeguards your business from unexpected claims like accidents or negligence, ensuring you can focus on growing your business without worrying about potential legal or financial risks.
What are the policy limits?
We offer industry-leading limits, up to $3,000,000 in aggregate coverage.
FAQS
Frequently Asked Questions
Find quick answers to the most common questions.
Do you offer insurance for independent contractors?
What types of insurance do you offer?
Do I need multiple policies for different services?
What does liability insurance cover?
Why is insurance important for my business?