Comprehensive Massage Therapy Insurance – Protect Your Practice Today
Safeguard your massage therapy career with industry-leading insurance coverage from Beauty Insurance Plus. Our tailored policies are designed to protect massage therapists, bodyworkers, and wellness professionals from the unique risks associated with their practice. With coverage starting at just $169/year, you can focus on healing and nurturing your clients while we take care of the rest. Don't let uncertainty hold you back – secure your professional future today.
Why Choose Beauty Insurance Plus as your Massage Therapy Insurance Provider?
At Beauty Insurance Plus, we understand the unique needs of massage therapists and bodyworkers. Our comprehensive insurance packages are crafted to provide unparalleled protection for your practice:
• Coverage for over 500 massage and wellness services: From Swedish and deep tissue massage to reflexology, aromatherapy, and energy work, we've got you covered. Our extensive list ensures that no matter how diverse your practice, you're protected.
• $2 million per occurrence, $3 million annual aggregate liability coverage: This robust coverage exceeds industry standards, providing you with ample protection against potential claims or lawsuits.
• Occurrence form coverage - the industry's preferred choice: Unlike claims-made policies, our occurrence form coverage protects you even after your policy expires, as long as the incident occurred during the policy period.
• Instant coverage and proof of insurance at checkout: No waiting periods or delays. Get insured and start practicing with confidence immediately.
• A+ rated insurance underwriter: Our policies are backed by a top-rated insurance company, ensuring financial stability and reliability when you need it most.
• Customizable policies: Tailor your coverage to fit your specific needs, whether you're a solo practitioner, mobile therapist, or spa owner.
• Competitive pricing: Get premium coverage at affordable rates, allowing you to invest more in your practice and professional development.
Choose Beauty Insurance Plus for peace of mind and unmatched protection in your massage therapy career.
How Much Does Massage Therapy Insurance Cost?
To make our massage therapy insurance as accessible as possible we have several options available:
TWO YEAR
$299
PER 2 YEARS
Lock-in a rate of $149 per year, by purchasing our two-year policy, with all the same benefits.
ONE YEAR
$169
PER YEAR
Our first year introductory rate. Take advantage of everything we have to offer.
What's Included in Your Massage Therapy Coverage
Our all-encompassing insurance package is designed to address the multifaceted needs of massage therapists and bodyworkers:
With Beauty Insurance Plus, you're not just getting insurance – you're investing in comprehensive protection for every aspect of your massage therapy practice.
Exclusive Member Benefits
When you choose Beauty Insurance Plus, you're not just getting insurance – you're joining a community of supported professionals. Our exclusive member benefits are designed to help you grow your practice and enhance your skills:
As a Beauty Insurance Plus member, you'll enjoy a suite of exclusive benefits designed to support and grow your massage therapy practice. We provide you with a free, customizable professional website equipped with booking capabilities and SEO optimization, helping you establish a strong online presence and attract new clients effortlessly. To keep you at the forefront of your field, we offer substantial discounts on continuing education courses covering a wide range of topics, from advanced massage techniques to business management and client communication skills.
We understand the importance of financial flexibility, which is why we offer monthly payment options, allowing you to spread your premium payments throughout the year without straining your budget. Your coverage isn't limited by geography – it follows you across all 50 states, ensuring protection whether you're attending a conference, participating in a wellness event, or relocating your practice. To support your business growth, we provide free access to a comprehensive library of business templates, marketing guides, and practice management tools. Through our network of industry partners, you'll enjoy exclusive discounts on massage supplies, equipment, and practice management software. For your convenience, our secure online portal offers 24/7 access to your policy documents, proof of insurance, and other important information.
With Beauty Insurance Plus, you're not just insured – you're empowered to thrive in your profession.
Protect Your Massage Practice from Common Risks
In the world of massage therapy and bodywork, even the most experienced practitioners can face unexpected challenges. Beauty Insurance Plus helps you navigate these risks with confidence:
By anticipating and covering these common risks, Beauty Insurance Plus allows you to focus on what you do best – providing healing and relaxation to your clients. Our comprehensive coverage ensures that you're prepared for whatever challenges your massage therapy career may bring.
Get Massage Therapy Insurance Cover in Minutes
Joining over 200,000 insured professionals who trust Beauty Insurance Plus is quick and hassle-free. Our streamlined online application process is designed with busy massage therapists in mind:
- Simple online form: Answer a few basic questions about your practice and coverage needs.
- Flat rate pricing: Get comprehensive coverage for just $169/year, designed specifically for massage therapy professionals.
- Easy payment: Choose your payment option – annual or monthly – and complete your purchase securely online.
- Immediate coverage: Your policy is active instantly upon payment, with digital proof of insurance available immediately.
- Access your account: Log in to your member portal to view policy documents, make changes, or file claims at any time.
Don't let insurance concerns keep you from pursuing your passion. With Beauty Insurance Plus, you can get the coverage you need and get back to doing what you love in just minutes. Protect your practice, your clients, and your peace of mind today.
Get Your Personalized Comprehensive Massage Therapy Insurance Quote Now
The #1 Choice for Massage Therapy Insurance
Beauty Insurance Plus has protected over 200,000 professionals nationwide. Your success deserves the best protection. Read our reviews and let the positive experiences of your peers guide you to the ultimate choice in professional insurance.
I've been with Beauty Insurance Plus for going on 4 years, they are super affordable and offer great coverage. Their sign up and renew processes are so easy and simple. They even allow me to renew for two years at a time which I love! One less thing to think of! 10/10 recommend.
Julia Skawrlo // Cosmetologist
I used this insurance when I decided to go solo esthetician and it was the best decision, you get all the support from them, customer service are easy to reach out.
Kawtar Mezouaq // Esthetician
I am going on 30 years of being a hairdresser and never once had a problem with a clam. I have paid so much money through the years I hate to even add it up! This is truly a huge savings and I thank Beauty Inc Plus so much for helping me save where I can! I only work part time and couldn't afford it if it wasn't for them! Its truly a life saver!!
Lisa England // Hairstylist
Still Have Questions? We're Here to Help
At Beauty Insurance Plus, we believe in providing not just insurance, but also education and support to our valued massage therapy professionals. Our team of licensed agents is always ready to assist.
Don't hesitate to reach out. Whether you're a new graduate just starting your practice or an experienced therapist looking to switch providers, we're here to ensure you have the right coverage to protect your massage therapy career. Your peace of mind is our top priority.
Comprehensive Massage Therapy Insurance FAQs
Beauty Insurance Plus's Comprehensive Massage Therapy Insurance provides extensive coverage tailored specifically for massage therapists.
Our policy includes professional liability coverage, protecting you against claims of negligence or malpractice arising from your massage services. We also offer general liability coverage, safeguarding you against third-party claims of bodily injury or property damage that may occur in your workspace or during mobile services.
Our product liability coverage protects you from claims related to products you use or sell in your practice, such as massage oils or lotions. We include coverage for personal and advertising injury, which can protect you from claims of libel, slander, or copyright infringement in your marketing materials.
At Beauty Insurance Plus, we strive to provide comprehensive protection that meets the specific needs of massage therapists, ensuring you can practice with confidence and peace of mind.
At Beauty Insurance Plus, we pride ourselves on offering competitive and affordable Comprehensive Massage Therapy Insurance.
Our policies start at just $169 per year for individual practitioners, making professional coverage accessible to therapists at all stages of their careers. We understand that every massage therapy practice is unique, so we offer customizable coverage options to ensure you're getting the protection you need without paying for unnecessary extras. Factors that may influence your premium include your years of experience, the specific modalities you practice, your location, and whether you work full-time or part-time. We offer flexible payment options, including monthly plans, to help you manage your insurance costs effectively.
Remember, while the cost is an important factor, it's crucial to ensure you have adequate coverage for your specific practice needs. Our team at Beauty Insurance Plus is always available to help you find the right balance between comprehensive coverage and affordability, ensuring you get the best value for your insurance investment.
At Beauty Insurance Plus, we offer occurrence form coverage for our massage therapy insurance policies, as we believe this provides the most comprehensive and long-lasting protection for our clients. Occurrence form coverage protects you for any incident that occurs during the policy period, regardless of when the claim is filed. This means that even if a client files a claim years after you've ended your policy with us, you're still covered as long as the incident happened while your policy was active.
We've chosen to offer this type of coverage because it provides peace of mind and enduring protection, which is especially important in bodywork professions where injuries or issues may not become apparent immediately.
With Beauty Insurance Plus's occurrence form coverage, you can focus on your practice without worrying about maintaining continuous coverage or purchasing additional "tail coverage" to protect against future claims from past incidents. This approach aligns with our commitment to providing straightforward, comprehensive protection that supports your long-term career in massage therapy.
Beauty Insurance Plus's Comprehensive Massage Therapy Insurance provides robust protection if a client is injured during a session.
If a client claims injury from your massage techniques, such as muscle strain, nerve damage, or exacerbation of a pre-existing condition, our professional liability coverage immediately comes into play. This coverage handles the cost of legal defense if you're sued, as well as any settlements or judgments against you, up to your policy limits. For instance, if a client alleges that your deep tissue massage caused a disc herniation, we would cover the legal fees to defend you and any potential payout if you're found liable.
Our general liability coverage also protects you if a client is injured in your workspace, such as from a slip and fall accident. In the event of a claim, our dedicated claims team will be assigned to investigate the incident, gather necessary information, and manage the entire claims process on your behalf. This allows you to continue focusing on your practice while we handle the legal and financial aspects of the claim. With Beauty Insurance Plus, you can practice with confidence, knowing you have comprehensive protection against unforeseen circumstances.
To qualify for Beauty Insurance Plus's Comprehensive Massage Therapy Insurance, we have straightforward requirements designed to ensure we're covering qualified professionals.
First and foremost, you must be a licensed or certified massage therapist in your state or region. This typically involves completing an accredited massage therapy program and passing any required state licensing exams. We require that you maintain your license or certification in good standing, which may include completing continuing education credits as mandated by your state or professional organization. When applying for our insurance, it's important to disclose all the massage modalities you practice to ensure comprehensive coverage. If you're practicing any specialized or higher-risk modalities, we may ask for proof of additional training or certification. We also expect our insured therapists to adhere to a professional code of ethics, such as those outlined by major massage therapy associations.
At Beauty Insurance Plus, we're committed to supporting massage therapists at all stages of their careers, including offering special policies for students and recent graduates. Our goal is to make the qualification process as smooth as possible while ensuring that we're providing coverage to professionals who meet industry standards.
At Beauty Insurance Plus, our Comprehensive Massage Therapy Insurance includes robust product liability coverage, which is crucial for handling claims related to allergic reactions.
If a client experiences an allergic reaction to massage oils, lotions, essential oils, or any other products you use in your practice, our coverage immediately activates to protect you. For example, if a client develops a severe skin rash after a massage and claims it's due to the oil you used, our insurance would cover the cost of investigating the claim, providing legal defense if necessary, and paying any settlements or judgments if you're found liable.
Our experienced claims team would thoroughly investigate the incident, looking into factors such as whether the product was used correctly, if the client had disclosed any known allergies, and if proper patch tests were conducted for new products. We may also cover the cost of medical treatment for the client if it's determined that the reaction was indeed caused by products used in your practice. At Beauty Insurance Plus, we understand the importance of using high-quality products in your massage therapy practice, which is why we offer risk management resources to help you implement best practices for product use and client safety.
Our goal is to provide you with comprehensive protection and peace of mind, allowing you to focus on delivering exceptional care to your clients.
Yes, at Beauty Insurance Plus, we understand the diverse needs of massage therapists and offer the flexibility to add additional insured parties to your Comprehensive Massage Therapy Insurance policy.
This feature is particularly valuable for therapists working in various settings. Whether you rent space in a spa or wellness center, provide massage services at events, or work in corporate locations, we can accommodate your needs. Adding an additional insured extends certain coverages of your policy to protect other parties in case they're named in a lawsuit related to your massage services.
At Beauty Insurance Plus, we've streamlined this process to make it as simple as possible for our clients. To add an additional insured, you just need to contact our customer service team and provide details about the party you want to add, including their name, address, and the nature of your business relationship. We offer this option at no extra cost for most standard situations, making it a cost-effective way to meet contractual requirements and expand your business opportunities. Our team is always ready to guide you through the process and ensure that your policy provides the right coverage for all aspects of your practice. With Beauty Insurance Plus, you can confidently work in diverse settings while maintaining appropriate liability protection for all parties involved.
At Beauty Insurance Plus, we recognize that modern massage therapy often involves a diverse range of techniques. Our Comprehensive Massage Therapy Insurance is designed to provide flexible coverage that adapts to the various modalities you may practice. Our standard policy covers a wide array of massage techniques, from traditional methods like Swedish and deep tissue massage to more specialized practices such as sports massage and reflexology. We also extend coverage to many complementary and alternative modalities, such as Reiki, acupressure, and craniosacral therapy. When you apply for coverage with us, we encourage you to list all the modalities you currently practice or plan to incorporate into your work.
This allows us to tailor your coverage to your specific needs. If you practice or plan to add higher-risk modalities, such as cupping therapy or certain forms of stretching, our team will work with you to ensure you have the appropriate coverage, which may involve providing proof of additional training or certification.
At Beauty Insurance Plus, we're committed to supporting your professional growth. As you expand your skill set and add new modalities to your practice, we make it easy to update your policy. Our goal is to provide you with comprehensive, flexible coverage that allows you to confidently offer a wide range of services to your clients, knowing you're protected across the full spectrum of your practice.
If a client files a claim against you, Beauty Insurance Plus is here to support you every step of the way. The first and most crucial step is to notify us as soon as possible.
We recommend contacting our claims department within 24 to 48 hours of becoming aware of the incident. When you reach out to us, our dedicated claims team will guide you through the process, ensuring you understand what information we need and what steps to take next. It's important to provide us with all relevant information about the incident, being honest and thorough in your report. However, we advise against admitting fault or liability to anyone. Our experienced claims adjusters will be assigned to your case and will handle all communication with the claimant or their representatives. They may request additional documentation, such as client records or treatment notes, so it's crucial to maintain clear, detailed records of all your client interactions and treatments.
Throughout the claims process, we ask that you refrain from discussing the claim with anyone other than our representatives or legal counsel we may assign to your case. Rest assured that your Beauty Insurance Plus policy is designed to protect you in these situations. We'll manage the legal and financial aspects of the claim, allowing you to focus on maintaining your practice and serving your other clients. Our team is committed to providing you with professional support and guidance, ensuring the best possible outcome for your case.
Absolutely! At Beauty Insurance Plus, we understand that massage therapists work in a variety of settings, and our Comprehensive Massage Therapy Insurance is designed to provide coverage regardless of your work location.
Whether you have a home-based practice, offer mobile services, or work in a traditional clinic setting, our policy has you covered. For home-based practices, our insurance includes coverage for client injuries that occur in your home workspace. This is particularly important as your regular homeowner's or renter's insurance may not cover business-related incidents. If you offer mobile services, traveling to clients' homes, offices, or events, our policy protects you while working at these various locations. This coverage includes protection against claims of injury or property damage that might occur during these mobile sessions. We also understand the importance of protecting your equipment.
Our comprehensive policy includes coverage for your massage table, supplies, and other equipment during transportation and use at different locations. When you choose Beauty Insurance Plus, you can confidently offer your services in various settings, knowing you're protected wherever you practice. We encourage you to discuss your specific work arrangements with our team when setting up or reviewing your policy. This allows us to ensure you have the most appropriate coverage for your unique practice, whether you're working from home, on the go, or in multiple locations. Our goal is to provide you with flexible, comprehensive coverage that adapts to your business model and allows you to focus on what you do best – providing excellent care to your clients.