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Massage Therapist Insurance

Specialist professional liability cover for massage therapists to defend against claims made against you through your work.

  • Cover provided for professional indemnity, public liability, libel and slander, and product liability insurance.
  • Covers the limit of liability selected by you.
  • 24-hour legal helpline offering specialist legal advice
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Why choose massage therapist insurance with Towergate?

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Affordable insurance in minutes

Specialist cover in five minutes

Worldwide

Worldwide massage therapist cover

Cover to work anywhere in the world (as long as you are UK based)

People

24-hour legal helpline

Offering specialist legal advice whenever you may need it

Liability

Massage therapist liability cover

Includes professional indemnity, public liability and products liability

About massage therapist insurance

Accidental Damage

Public liability cover for massage therapists

If you were to act negligently during the course of your work and accidentally injure or damage the property of a third party, public liability insurance for massage therapists would act as a financial safety net and provide compensation to the injured party. You can choose the amount of cover that suits your business from £1 million, £2 million or £5 million. Any deliberate acts will not be covered.

Liability

Professional indemnity insurance cover for massage therapists

Professional indemnity insurance for massage therapists protects against allegations of professional negligence, malpractice and breaches of professional codes of practice, as well as injury relating to the therapy itself, would be covered under Professional Indemnity only. The policy will therefore cover legal costs and expenses associated with your defence as well as damages or costs that may be awarded to your client. Any deliberate act of negligence will not be covered.

People

24 hour legal advice

There’s a legal helpline available 24 hours a day for individual policy holders. Should you be concerned about legal aspects relating to yourself or your business, you can talk things through with a professional to understand your legal stance in the situation.

Claim

Product liability cover for massage therapists

We understand you may be recommending products or using or selling your own products as part of your treatment therapy. Please be advised cover is not provided for products that have been mixed, blended or tampered with. Cover is provided for bodily injury, death, illness and disease for products administered or supplied by you in the course of treatment or therapy.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 or email careclaims@towergate.co.uk and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Massage therapist insurance FAQs

Yes, we cover a wide range of different therapies; just speak to a member of our team for details. We are however unable to cover aqua massage.

This policy does not cover liability arising from any of the following;

  • Eczema sufferers’ electroencephalography, surgical or dental treatment
  • Any medical treatment
  • Any banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA), or banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA)
  • Cannabidiol (CBD) where not regulated as a novel food or a cosmetic within the United Kingdom
  • Any beauty therapies undertaken

We have provided a summary of the significant key exclusions, but please note that full terms, conditions, and exclusions can be found in the policy wording, a copy of which is available through the on-line quotation process.

Please contact us to discuss should you require further information on this matter. 

Yes, we can cover you whilst you’re in training just as we would if you’re qualified.

Yes, but it’s a feature that we can add on for you so you must let us know if it’s something you require.

No, we do not need to know how many clients you will be seeing throughout the policy year.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

Yes, liabilities for working from home is automatically covered in the policy. Just be aware you should notify your home insurer if you conduct part of your business from home as any property damage to your home will not be covered by our massage therapist policy and will come under your home insurance policy. If you are having trouble finding insurance for your home because of your work, please contact us to discuss your needs.

We do not need to see a copy of these. We will insure you on the utmost faith that you have experience and qualifications in the area you would like to be insured for. If a claim were made against you, we would then ask to see evidence of your qualification.

Yes, we do not specify how much experience you have or where you studied.

Yes, we can cover work with both animals and humans, please call to discuss.

Yes, we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in - for example, a house. As a massage therapist, you may be able to work remotely and if you want to hop on a plane and work abroad, we can provide coverage in respect of civil liabilities in connection with your business for up to 60 consecutive days. This coverage can extend to a client’s property; a rented practice room; and even electronically, via the internet or the telephone. Cover is excluded for any action brought in any court of The United States or Canada.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page

Yes, liabilities for working from home is automatically covered in the policy. Just be aware you should notify your home insurer if you conduct part of your business from home as any property damage to your home will not be covered by our massage therapist policy and will come under your home insurance policy. If you are having trouble finding insurance for your home because of your work, please contact us to discuss your needs.

Read more FAQs

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