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Why it matters even without a legal requirement.
Massage TherapistInsurance
Massage Therapist Insurance
Treatment liability cover built for massage therapists, whether you work mobile, rent a room, or freelance across multiple clinics.
Treatment liability cover built for massage therapists, whether you work mobile, rent a room, or freelance across multiple clinics.
Aggravated injuriesTissue damageTables & portable kit
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What is massage therapist insurance?
Massage therapist insurance is a combination of covers built around hands-on treatment, treatment liability for claims that a massage caused a client physical harm, public liability for injury or damage, and employers’ liability if you have staff.
Massage therapy isn’t a legally regulated profession in the UK, but most insurers expect membership of a body like the CNHC, FHT or a sports massage association before providing cover.
The right massage therapist cover depends on:
Types of massage offeredMobile, room rental or fixed premisesWhether you treat pre-existing conditionsLevel of treatment liability coverAnnual turnoverWhether you use subcontractors
Is this cover right for your work?
Is this cover right for your work?
This cover suits any business providing hands-on massage treatment.
This cover suits any business providing hands-on massage treatment.
Mobile Massage Therapists
Travelling to clients’ homes.
Room Rental Therapists
Renting space within a clinic or salon.
Sports Massage Therapists
Treating athletes and active clients.
Clinical & Remedial Therapists
Supporting injury rehabilitation.
Pregnancy Massage Specialists
Treating pre and postnatal clients.
Home-Based Therapists
Treating clients from a home studio.
What could go wrong for a massage therapist?
What could go wrong for a massage therapist?
Most massage therapist claims come from aggravating a client’s existing injury, tissue damage from incorrect technique, a reaction to oils, or damage in a client’s home.
Most massage therapist claims come from aggravating a client’s existing injury, tissue damage from incorrect technique, a reaction to oils, or damage in a client’s home.
How could a claim affect your business?
How could a claim affect your business?
A single treatment claim can outweigh months of income for a freelance therapist.
A single treatment claim can outweigh months of income for a freelance therapist.
Aggravated Injury
A massage aggravates a client’s existing condition.
What cover may respond?
Treatment Liability
Property Damage
A mobile treatment damages a client’s home.
What cover may respond?
Public Liability
Equipment Theft
Portable treatment equipment is stolen.
What cover may respond?
Business Equipment
Staff Injury
An employee is injured at work.
What cover may respond?
Employers’ Liability
Who needs massage therapist insurance?
Massage therapist insurance may be suitable if you provide hands-on treatment, whatever your working arrangement.
This cover may be suitable if you’re:
Working mobile, visiting clients’ homesRenting a room in a clinic or salonFreelancing across multiple clinicsTreating sports or clinical clientsUsing assistants or subcontractorsEmploying therapy staffCover built around your work
Cover built around your work
Most massage therapists combine treatment liability with public liability, plus equipment cover for tables and portable kit.
Most massage therapists combine treatment liability with public liability, plus equipment cover for tables and portable kit.
Treatment Liability
Protection if a massage causes a client physical harm.
Public Liability
Protects against costs if a client or visitor is injured, or you damage their property.
Business Interruption
Potential protection for lost income if an insured event stops you working.
Business Equipment
Cover for eligible massage tables and equipment.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for contract and client disputes.
How much does massage therapist insurance cost?
There’s no fixed price. Sports and clinical massage carry higher risk than relaxation treatments, which is the biggest factor for therapists.
Types of massage offered
Sports and clinical massage can carry higher risk than relaxation massage.
Mobile or clinic-based
Working in clients’ homes can affect your public liability needs.
Level of treatment liability
Higher limits mean a higher premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get massage therapist insurance
How to get massage therapist insurance
Getting massage therapist insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting massage therapist insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The treatments you offer, and how you work.
2
Choose your covers
Treatment liability, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Massage therapist insurance guides
Massage therapist insurance guides
CNHC and FHT membership, aggravated injuries and treating existing conditions.
CNHC and FHT membership, aggravated injuries and treating existing conditions.
Massage therapist insurance FAQs
Massage therapist insurance FAQs
Straight answers on cover, professional bodies and cost.
Straight answers on cover, professional bodies and cost.
Massage therapist insurance is a combination of covers built around hands-on treatment: treatment liability for claims that a massage caused a client physical harm, public liability for injury or damage, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.