Massage Therapist Insurance

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 subject to the agreed appropriate level of supervision for the specific activities undertaken.

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.

Massage therapist insurance is essential to protect your practice from claims related to accidental injury or malpractice related to the activities agreed as part of your profession. Whether you provide sports massage, therapeutic treatments or mobile services, tailored insurance can safeguard your business and reputation.

This cover is designed specifically for professional massage practitioners, including those offering relaxation, remedial or therapeutic massages to amateur sportspersons or active individuals, excluding professional sports persons.

Key insurance covers for massage therapists include professional indemnity, public liability, and employers' liability (which is mandatory by law if you employ staff in the UK).

Professional indemnity cover provides legal defence costs from the outset of a claim made against you for professional mistakes for which you are adjudged to be at fault, if that negligence or poor advice leads to losses, injuries, emotional harm or other damage for your client. This includes negligent services, faulty advice or faulty treatment you have given a client while working as a massage therapist. It will ultimately pay compensation awarded against you if the claimant is successful.

Public liability insurance covers for legal liabilities arising from accidental third-party injuries or property damage caused arising from the business activities.

If you employ any staff in the UK, it is a legal requirement to take out employers' liability cover as part of your massage therapist insurance. This protects you against claims from employees who accidentally suffer work-related injuries or illnesses. Where responsibility is disputed then the policy will pay the legal defence costs.

Yes, massage insurance can cover sports massage treatments, including for specialists working with amateur athletes or active private individuals (excluding anybody who is a professional sportsperson). You can also take out sports therapy insurance.

Yes, policies through Towergate offer massage therapist cover to work anywhere in the world   for up to 60 consecutive days (as long as you are UK-based). However, cover is not provided for actions brought in any court in the United States of America or Canada.

Yes, you can cover essential tools and equipment like massage tables and oils for accidental loss, theft or damage under massage therapy insurance.

Yes, this is a feature Towergate can add on for you, so let us know if it’s something you require.