Massage therapist insurance

The typical coverage stack

What a massage therapist operation usually carries. Workers’-comp rules depend on your state — run the checker with your state for the exact answer.

1. General liability

   Worth considering

   Foundational third-party coverage for bodily-injury and property-damage claims.

   $320–$650/yr typical

2. Business owner's policy

   Worth considering

   You have premises or equipment exposure — a business owner's policy usually bundles liability and property for less than buying them apart.

   $700–$1,300/yr typical

3. Professional liability / E&O

   Commonly required by clients

   You're paid for advice or a professional service — errors & omissions covers financial-harm claims general liability never will, and client contracts increasingly name a minimum limit.

   $270–$800/yr typical

4. Workers' comp

   Commonly required by clients

   Whether it is legally required depends on your state — most mandate it once you hire. Run the checker with your state for the exact rule.

   Per $100 of payroll — run the checker with your state