Best Massage Business Insurance

Nationwide earned our top rating for massage therapy practices with a MoneyGeek score of 4.80 out of 5, standing out for competitive rates and quality service. NEXT and The Hartford also rank highly for massage therapists. Compare quotes from multiple insurers to find the right coverage for your massage business.

Note: We based all scores on a massage therapy business with two employees across professional liability, general liability, workers' comp and BOP policies.

Nationwide offers the cheapest overall massage business insurance at $63 monthly, ranking first for general liability and BOP. The Hartford and NEXT lead for professional liability and workers' compensation, making them better options for massage therapists needing those specific coverage types.

Massage business insurance costs vary by coverage type, with these average rates for the four most popular policies:

• General Liability: $97 on average per month, ranging from $83 to $115, depending on the state
• Workers' Comp: $15 on average per month, ranging from $13 to $17, depending on the state
• Professional Liability (E&O): $106 on average per month, ranging from $92 to $122, depending on the state
• BOP Insurance: $141 on average per month, ranging from $123 to $170, depending on the state

Massage businesses and therapists need coverage like professional liability and workers' compensation, though requirements vary by state and business structure. Beyond these, general liability and business owner's policies provide essential protection for massage therapy practices facing client injuries and property damage claims.

Getting business insurance for your massage therapy practice involves comparing quotes from providers who understand the unique risks massage therapists face, from client injuries during deep tissue sessions to equipment damage and premises liability claims.

Massage therapists need professional liability, general liability, workers' compensation and business owner's policies to provide their practices financial protection. Nationwide delivers the best overall coverage for massage therapy businesses with competitive rates starting at $63 monthly, strong customer service and a 4.80 MoneyGeek score. Compare quotes from multiple insurers to find the right combination of business insurance for your massage practice.

Questions about massage business insurance:

We selected the best business insurer for massage companies based on the following criteria:

• Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better the company performs.
• Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
• Coverage (15% of score): We scored business insurance providers for this category based on the flexibility, payment and actual coverage options.
• Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely companies are to pay out claims compared to the competition.

All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:

• Three-person business with two employees
• Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
• $150,000 in payroll
• $300,000 annual revenue