insurance for massage therapists

assessing their needs

Insurance for massage therapists

Westwood will work with you to ensure your Massage Therapist clients have adequate insurance coverage for every threat they could face.

Commercial insurance agents should be aware of several challenges facing massage therapists to better understand their needs and provide tailored insurance solutions. Some of these challenges include:

  1. Professional liability risks: Massage therapists are responsible for providing safe and effective treatments to clients, which can expose them to the risk of malpractice claims. Errors, negligence, or improper techniques during treatments can lead to injury or dissatisfaction, potentially resulting in legal action. Insurance agents should offer comprehensive professional liability coverage to protect therapists from potential claims and associated legal costs.
  2. General liability risks: Massage therapists can also face general liability risks, such as slips and falls, accidents, or property damage that may occur at their practice. Insurance agents should ensure that their clients have adequate general liability coverage to protect them from potential lawsuits and financial losses.
  3. Infection control and sanitation: Massage therapists must maintain a clean and hygienic environment for their clients, which requires adherence to infection control and sanitation guidelines. Agents should be knowledgeable about these standards and offer guidance to their clients on best practices for maintaining a safe and sanitary workspace.
  4. Employment-related risks: Massage therapists who employ other professionals, such as receptionists or additional therapists, may face employment-related risks like workplace injuries, illnesses, or employment-related claims like discrimination or wrongful termination. Insurance agents should ensure that their clients have workers’ compensation coverage and employment practices liability insurance (EPLI).
  5. Business property coverage: Massage therapists often rely on their office space and specialized equipment, such as massage tables and chairs, to provide services. Insurance agents should offer adequate property insurance to cover damage or loss to the therapist’s building and contents due to events like fire, theft, or natural disasters.
  6. Regulatory compliance: Massage therapists must adhere to various federal, state, and local regulations, such as licensing requirements, continuing education, and professional conduct. Insurance agents should be knowledgeable about these regulations and help their clients understand how to stay compliant and avoid potential fines or penalties.

By understanding these challenges, commercial insurance agents can better serve massage therapists by providing tailored insurance solutions that address their unique risks and liabilities.

what specific insurance do they need?

Massage therapists face unique risks due to the nature of their work, and they need specific insurance policies to protect themselves from potential financial losses. Some of the key insurance policies for massage therapists include:

  1. Professional Liability Insurance: Also known as malpractice insurance, this coverage protects massage therapists from claims arising from alleged negligence, errors, or omissions in the course of providing professional services. It can help cover legal defense costs, settlements, and judgments.
  2. General Liability Insurance: This policy covers claims of bodily injury, property damage, or personal injury caused by a massage therapist’s business operations. It can help pay for legal expenses and damages in the event of a lawsuit.
  3. Workers’ Compensation Insurance: If a massage therapist employs staff, workers’ compensation insurance is usually required by law. It covers medical expenses, lost wages, and rehabilitation costs for employees who suffer work-related injuries or illnesses.
  4. Employment Practices Liability Insurance (EPLI): This policy covers claims arising from employment-related issues, such as discrimination, harassment, or wrongful termination. It can help pay for legal defense costs and damages in the event of a lawsuit.
  5. Business Property Insurance: This policy covers damage to a massage therapist’s office space and its contents (e.g., furniture, equipment) due to events like fire, theft, or natural disasters. It can help replace or repair damaged or lost property.
  6. Business Interruption Insurance: This coverage helps compensate for lost income and additional expenses if the massage therapist’s business is temporarily unable to operate due to a covered event, such as a fire or natural disaster.
  7. Cyber Liability Insurance: If a massage therapist stores sensitive client information electronically, they should consider cyber liability insurance. This coverage helps protect against financial losses resulting from data breaches, cyberattacks, or other cyber incidents.

Massage therapists should consult with a knowledgeable insurance agent to determine the most appropriate combination of coverages for their specific practice and risks. The agent can help tailor an insurance package that addresses their unique needs and provides adequate protection.

advice for commercial agents approaching 

As a commercial insurance agent approaching massage therapists, it is essential to understand the unique challenges and insurance needs of these professionals. By demonstrating your expertise in their field and the potential risks they face, you can establish credibility and trust with your clients. Here are some key points to keep in mind when engaging with massage therapists:

First, familiarize yourself with the specific risks and liabilities that massage therapists face, such as professional and general liability risks, infection control and sanitation concerns, employment-related risks, property damage, business interruption, and regulatory compliance. Research the various regulations and licensing requirements that apply to massage therapists, as well as the services they provide and the types of clients they serve. This knowledge will enable you to tailor your insurance offerings to their unique needs and demonstrate how your policies can protect them from potential financial losses.

In your interactions with massage therapists, emphasize the benefits and coverage details of each policy you recommend, such as professional liability, general liability, workers’ compensation, employment practices liability, property insurance, business interruption, and cyber liability insurance. Explain how these coverages address the specific risks these professionals face and how they can help maintain financial stability and allow them to focus on providing high-quality care for their clients. Offer guidance on risk management best practices and regulatory compliance to further demonstrate your expertise and commitment to their success. By taking a proactive and knowledgeable approach, you can establish long-lasting relationships with massage therapists and help them feel confident in their insurance coverage.

Contact Michael Richards now

Michael specializes in insurance for this particular group. You can call him on the number below or fill out the form and he will get your message directly:

Michael Richards

sourcing the best insurance for massage therapists is essential for commercial agents


General Liability Insurance

General Liability insurance cover medical expenses and attorney fees which result from bodily injuries and property damage that your company or organization could be legally responsible for.

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Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance (E&O) and medical malpractice insurance, protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.

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Telemedicine Malpractice Insurance

telemedicine malpractice insurance—also known as digital health insurance or eHealth insurance—has become increasingly vital for healthcare providers. to  protect them against claims of negligence, malpractice, errors, and omissions which may be the result of the limitations of webcam quality or the inability of a patient to properly photograph a condition. It can also cover cyber liability, such as remote controlled medical devices being hacked.

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Directors and Officers Liability (D&O) insurance

D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.

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Cyber liability insurance

Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.

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HNO Insurance

HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.

Workers’ Comp. Insurance

Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.

This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.

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Employment Practices Liability

Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:

  • Discrimination (based on sex, race, age or disability, for example)
  • Wrongful termination
  • Harassment
  • Failure to promote and other employment-related issues
Sexual Abuse & Molestation (SAM)

Sexual Abuse and Molestation Insurance provides coverage for organizations against claims arising from alleged sexual misconduct or molestation by an employee or other representative of the organization. 

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Environmental Liability insurance

Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals. 

Commercial Property Insurance

Commercial property insurance is a fundamental component of risk management for healthcare and senior living providers. It is designed to protect the organization’s physical assets, such as buildings, medical equipment, furniture, and supplies, from financial losses due to damage or theft.

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Crime Insurance

Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.

Commercial Auto Insurance

Commercial auto insurance is a crucial aspect of risk management for healthcare and senior living providers. It offers vital financial protection against vehicle-related incidents and is often required by law.

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Fully/Partially Funded insurance

Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is  partially covered for specific risks.

Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.

Excess and umbrella coverage

Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.

An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.

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we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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insurance for hospitals

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

insurance for physicians

The different types of insurance for physicians includes medical malpractice insurance, professional liability insurance, errors and omissions insurance, an umbrella policy, and professional indemnity. As a physician, you should have access to all of these types of insurance.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ's

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:

    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.