Massage business insurance costs vary across coverage types, helping you plan your budget effectively. MoneyGeek's analysis shows monthly premiums range from $15 for workers' compensation to $141 for business owner's policy coverage.
How Much Does Massage Business Insurance Cost?
Massage business insurance can cost as little as $15 per month, though your specific business details and coverage needs will determine your actual rate.
Discover cheap massage business insurance below.
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Updated: August 18, 2025
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Key Takeaways
Massage business insurance costs range from $15 to $141 monthly, depending on your coverage type.
Your massage insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable massage business insurance costs.
Average Massage Business Insurance Cost Overall
| BOP | $141 |
| General Liability | $97 |
| Professional Liability (E&O) | $106 |
| Workers' Comp | $15 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Massage Business Insurance Cost for General Liability Coverage by State
Your massage business general liability coverage costs vary by location. Maine offers the most savings at $83 monthly versus the $97 national average, while Louisiana costs $115 monthly, helping you plan business expenses.
| Alabama | $94 |
| Alaska | $97 |
| Arizona | $91 |
| Arkansas | $92 |
| California | $107 |
| Colorado | $95 |
| Connecticut | $105 |
| Delaware | $103 |
| Florida | $104 |
| Georgia | $98 |
| Hawaii | $111 |
| Idaho | $91 |
| Illinois | $106 |
| Indiana | $94 |
| Iowa | $92 |
| Kansas | $94 |
| Kentucky | $89 |
| Louisiana | $115 |
| Maine | $83 |
| Maryland | $92 |
| Massachusetts | $101 |
| Michigan | $91 |
| Minnesota | $90 |
| Mississippi | $97 |
| Missouri | $95 |
| Montana | $96 |
| Nebraska | $91 |
| Nevada | $109 |
| New Hampshire | $96 |
| New Jersey | $109 |
| New Mexico | $97 |
| New York | $112 |
| North Carolina | $83 |
| North Dakota | $84 |
| Ohio | $89 |
| Oklahoma | $96 |
| Oregon | $89 |
| Pennsylvania | $111 |
| Rhode Island | $106 |
| South Carolina | $99 |
| South Dakota | $90 |
| Tennessee | $94 |
| Texas | $97 |
| Utah | $92 |
| Vermont | $92 |
| Virginia | $88 |
| Washington | $109 |
| West Virginia | $101 |
| Wisconsin | $95 |
| Wyoming | $89 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Massage Business Insurance Cost for Workers’ Compensation Coverage by State
Your massage business cost for workers' compensation varies by state. Maine offers the lowest rates at $13 monthly and New York the highest at $17 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $14 |
| Alaska | $13 |
| Arizona | $14 |
| Arkansas | $14 |
| California | $16 |
| Colorado | $15 |
| Connecticut | $16 |
| Delaware | $16 |
| Florida | $16 |
| Georgia | $15 |
| Hawaii | $15 |
| Idaho | $14 |
| Illinois | $16 |
| Indiana | $14 |
| Iowa | $14 |
| Kansas | $14 |
| Kentucky | $14 |
| Louisiana | $17 |
| Maine | $13 |
| Maryland | $14 |
| Massachusetts | $15 |
| Michigan | $14 |
| Minnesota | $14 |
| Mississippi | $15 |
| Missouri | $14 |
| Montana | $14 |
| Nebraska | $14 |
| Nevada | $17 |
| New Hampshire | $14 |
| New Jersey | $17 |
| New Mexico | $15 |
| New York | $17 |
| North Carolina | $13 |
| Oklahoma | $14 |
| Oregon | $14 |
| Pennsylvania | $17 |
| Rhode Island | $16 |
| South Carolina | $15 |
| South Dakota | $14 |
| Tennessee | $14 |
| Texas | $15 |
| Utah | $14 |
| Vermont | $14 |
| Virginia | $13 |
| West Virginia | $15 |
| Wisconsin | $14 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Massage Business Insurance Cost for Professional Liability Coverage by State
Professional liability cost for professional liability varies by state, just like other business insurance types. While the national average is $107 monthly, North Dakota offers the lowest rates at $92, and Pennsylvania charges the highest for E&O (errors and omissions) insurance at $122 monthly.
| Alabama | $103 |
| Alaska | $94 |
| Arizona | $103 |
| Arkansas | $100 |
| California | $116 |
| Colorado | $103 |
| Connecticut | $116 |
| Delaware | $113 |
| Florida | $116 |
| Georgia | $109 |
| Hawaii | $111 |
| Idaho | $101 |
| Illinois | $115 |
| Indiana | $105 |
| Iowa | $101 |
| Kansas | $103 |
| Kentucky | $101 |
| Louisiana | $117 |
| Maine | $92 |
| Maryland | $102 |
| Massachusetts | $113 |
| Michigan | $99 |
| Minnesota | $101 |
| Mississippi | $107 |
| Missouri | $104 |
| Montana | $107 |
| Nebraska | $99 |
| Nevada | $119 |
| New Hampshire | $105 |
| New Jersey | $121 |
| New Mexico | $108 |
| New York | $122 |
| North Carolina | $92 |
| North Dakota | $92 |
| Ohio | $99 |
| Oklahoma | $100 |
| Oregon | $99 |
| Pennsylvania | $122 |
| Rhode Island | $118 |
| South Carolina | $108 |
| South Dakota | $98 |
| Tennessee | $103 |
| Texas | $107 |
| Utah | $100 |
| Vermont | $101 |
| Virginia | $95 |
| Washington | $121 |
| West Virginia | $109 |
| Wisconsin | $106 |
| Wyoming | $100 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Massage Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary widely for massage businesses across states. Monthly premiums range from $123 in North Dakota to $170 in Louisiana.
| Alabama | $137 |
| Alaska | $137 |
| Arizona | $133 |
| Arkansas | $134 |
| California | $155 |
| Colorado | $139 |
| Connecticut | $154 |
| Delaware | $149 |
| Florida | $151 |
| Georgia | $140 |
| Hawaii | $157 |
| Idaho | $129 |
| Illinois | $159 |
| Indiana | $138 |
| Iowa | $137 |
| Kansas | $136 |
| Kentucky | $133 |
| Louisiana | $170 |
| Maine | $123 |
| Maryland | $133 |
| Massachusetts | $146 |
| Michigan | $130 |
| Minnesota | $133 |
| Mississippi | $142 |
| Missouri | $139 |
| Montana | $140 |
| Nebraska | $132 |
| Nevada | $159 |
| New Hampshire | $141 |
| New Jersey | $157 |
| New Mexico | $140 |
| New York | $167 |
| North Carolina | $123 |
| North Dakota | $123 |
| Ohio | $129 |
| Oklahoma | $138 |
| Oregon | $132 |
| Pennsylvania | $161 |
| Rhode Island | $155 |
| South Carolina | $142 |
| South Dakota | $129 |
| Tennessee | $137 |
| Texas | $140 |
| Utah | $131 |
| Vermont | $139 |
| Virginia | $126 |
| Washington | $159 |
| West Virginia | $146 |
| Wisconsin | $139 |
| Wyoming | $130 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Massage Business Insurance Cost
Insurance companies look at several factors to determine your massage business insurance costs. Understanding these elements helps you plan your budget better. Here's how different variables affect your insurance rates.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas with higher crime rates or natural disaster risks increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single client injury claim can substantially increase your general liability rates at renewal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and massage therapist classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. For example, a solo massage therapist earning $50,000 annually pays less than a day spa with multiple therapists generating $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Massage Business Insurance
Smart shopping and risk management strategies can lower your massage business insurance costs, and these proven tips will help reduce your premiums both now and in the future.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your massage business needs prevents overpaying for unnecessary coverage. Professional liability protects against claims of injury or improper service, while general liability covers accidents on your premises. Consider property insurance if you own or rent a space, and workers compensation if you have employees
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between carriers for identical coverage. Compare quotes from at least three insurers to find the best rates. Consider working with an independent agent who can handle comparison shopping for you
- 3
Bundle your coverage types
Insurance companies typically offer substantial discounts for bundled policies. Combining professional liability, general liability and property coverage with one carrier usually costs less than separate policies from different insurers
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for smaller claims, but your ongoing insurance expenses will be lower
- 5
Pay annually instead of monthly
Most insurance carriers add processing fees for monthly payments. Paying your premium annually eliminates these extra charges and often qualifies you for additional discounts
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your coverage yearly to ensure you're not paying for unnecessary protection while maintaining adequate limits for your current operations
Insurance for Massage Business Cost: Bottom Line
Massage business insurance costs range from $96 to $141 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Massage Business Insurance Cost: FAQ
Our massage business insurance FAQ answers the most common cost questions from business owners. Find detailed explanations for your coverage decisions below.
What is the cheapest type of massage business insurance?
Workers' compensation insurance costs $15 monthly, making it the most affordable option. However, most massage businesses need general liability insurance ($97 monthly) to protect against customer injuries and property damage claims.
How much can I save by bundling my massage business insurance policies?
Bundling policies through a BOP offers significant savings. Many insurers provide discounts when combining general liability, property coverage and other essential protections under one policy.
What factors make my massage business insurance more expensive?
Several factors affect massage business insurance costs: service types offered, business location, claims history, staff size, equipment value and coverage limits selected.
General liability insurance offers the most cost-effective coverage for massage businesses, with average premiums starting at $97 per month or $1,160 annually.
Should I choose a $500 or $2,500 deductible for my massage business insurance?
A lower $500 deductible makes sense if you anticipate frequent filing claims. Choose $2,500 if you have enough savings and want to reduce your monthly premium costs.
How much does workers' compensation cost for massage businesses by state?
Workers' compensation costs for massage businesses range from $13 monthly in Maine to $17 monthly in New York, with rates varying based on state regulations and risk factors.
Is business owner's policy (BOP) worth the extra cost for massage companies?
A business owner's policy costs $14 monthly for massage businesses and combines three essential coverages. This bundled insurance package offers more value than purchasing individual policies separately.
How often should I shop around for massage business insurance quotes?
Review your massage business insurance annually during renewal. Compare at least three insurers to find better rates, particularly if your business has grown or changed services.
How We Determined Massage Business Insurance Costs
We collected massage business insurance quotes from companies across different states. To make sure we compared apples to apples, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small massage businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the massage industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.