Massage Business Insurance Cost (2025 Rates)

Updated: October 16, 2025

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Key Takeaways

Massage business insurance costs range from $151 to $2,035 annually on average, depending on coverage type, state and sub-industry.

Your massage insurance premiums depend on location, claims history, services you provide and employee count when insurers calculate rates.

Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable massage business insurance costs.

How Much Is Insurance for a Massage Business?

We found average business insurance costs for massage companies for commonly needed coverage are as follows:

Complete Massage Business Protection: $261 monthly or $3,135 yearly for combined BOP, workers' comp and professional liability coverage.
General Liability Coverage: $97 monthly or $1,160 annually
Workers' Compensation Insurance: $15 per month or $175 per year
Professional Liability Coverage: $106 per month or $1,272 annually
Business Owner's Policy Insurance: $141 monthly or $1,689 annually


BOP	$141	$1,689
General Liability	$97	$1,160
Professional Liability (E&O)	$106	$1,272
Workers' Comp	$15	$175

Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.

Get Matched to Cheap Massage Business Insurers

Select your industry and state to get a customized quote.

Industry

State

Massage Business Insurance Cost of General Liability Coverage by State

Your massage business insurance cost for general liability insurance depends on where you operate. Maine offers the best value at $83 monthly compared to the $97 national average, while Louisiana runs $115 monthly.


Alabama	$94	$1,133
Alaska	$97	$1,162
Arizona	$91	$1,096
Arkansas	$92	$1,108
California	$107	$1,287
Colorado	$95	$1,146
Connecticut	$105	$1,255
Delaware	$103	$1,241
Florida	$104	$1,251
Georgia	$98	$1,174
Hawaii	$111	$1,329
Idaho	$91	$1,096
Illinois	$106	$1,268
Indiana	$94	$1,127
Iowa	$92	$1,100
Kansas	$94	$1,122
Kentucky	$89	$1,074
Louisiana	$115	$1,381
Maine	$83	$1,001
Maryland	$92	$1,103
Massachusetts	$101	$1,212
Michigan	$91	$1,094
Minnesota	$90	$1,084
Mississippi	$97	$1,161
Missouri	$95	$1,142
Montana	$96	$1,150
Nebraska	$91	$1,093
Nevada	$109	$1,310
New Hampshire	$96	$1,149
New Jersey	$109	$1,309
New Mexico	$97	$1,162
New York	$112	$1,340
North Carolina	$83	$1,001
North Dakota	$84	$1,005
Ohio	$89	$1,072
Oklahoma	$96	$1,151
Oregon	$89	$1,073
Pennsylvania	$111	$1,331
Rhode Island	$106	$1,269
South Carolina	$99	$1,190
South Dakota	$90	$1,080
Tennessee	$94	$1,127
Texas	$97	$1,166
Utah	$92	$1,100
Vermont	$92	$1,109
Virginia	$88	$1,052
Washington	$109	$1,314
West Virginia	$101	$1,212
Wisconsin	$95	$1,134
Wyoming	$89	$1,069

Note: We based these general liability rates on massage businesses with two employees across different states. Your rates will vary based on your location, claims history and the services you provide.

Massage Business Insurance Cost of Workers’ Compensation Coverage by State

The cost of workers' compensation insurance for massage businesses differs across states. Maine has the most affordable rates at $13 monthly, while New York has $17 monthly. State regulations and claim histories drive these pricing 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

Note: We based these workers' comp rates on massage businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.

Massage Business Insurance Cost of Professional Liability Coverage by State

Your professional liability cost will vary by state. This coverage averages $106 monthly nationwide. North Dakota offers the most affordable rates at $92 monthly, while Pennsylvania ranks highest 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

Note: We based these professional liability rates on massage businesses with two employees across different states. Your actual rates will depend on your services offered and location.

Massage Business Insurance Cost of BOP Coverage by State

Your massage business insurance costs depend heavily on your state when it comes to business owner's policy (BOP) coverage. BOP insurance cost varies dramatically across the country, with premiums as low as $123 in North Dakota and reaching $170 in Louisiana for the same coverage.


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

Note: We based these BOP rates on massage businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.

Massage Business Insurance Cost by Provider

Massage business insurance costs vary by provider, ranging from $63 to $135 monthly. These price differences reflect each insurer's specific market focus and coverage priorities, which shift over time based on profitability and expansion opportunities within targeted business segments.


Chubb	$110	$1,322
Coverdash	$96	$1,149
Hiscox	$89	$1,067
NEXT Insurance	$76	$916
Nationwide	$63	$758
Progressive Commercial	$90	$1,076
Simply Business	$81	$967
The Hartford	$72	$870
Thimble	$96	$1,157
biBERK	$135	$1,622

Massage Business Insurance Cost Factors

Massage business insurance costs vary based on multiple factors insurers consider when determining your premium rates.

Geographic location

State licensing requirements and local regulations vary across the country. Stricter oversight regions with robust professional standards often see lower premiums than areas where massage therapy has less formal regulatory structure.

Safety record and claims history

Professional liability claims can emerge from allegations of improper technique or client injuries. Any history of complaints or paid claims creates ripples in your insurance costs that persist through multiple renewal cycles.

Employee count and payroll

Therapists performing physical work all day have repetitive strain and injury risks. Solo practitioners avoid workers' comp entirely, while multi-therapist spas must cover wages for each licensed professional on staff.

Services offered

Swedish and relaxation massage carry standard risk for this profession. Adding deep tissue, sports therapy or specialty techniques like cupping and hot stone treatments introduces variables that insurers price into your professional liability coverage.

Business size and revenue

Client volume reflects your total exposure to potential claims. Independent therapists seeing 10 clients weekly operate at different risk levels than busy spas scheduling 50+ appointments daily across multiple treatment rooms.

Coverage limits

Most therapists carry $1 million in professional liability as baseline protection. Practices working with athletes, chronic pain patients or offering medical massage may want higher limits given the complexity of conditions treated.

Equipment values

Massage tables, linens and essential oils represent modest investments for most practitioners. High-end spas with multiple treatment rooms, specialized equipment and retail product inventory need more substantial property protection than bare-bones operations.

Certification and experience

Professional certifications and years in practice influence how insurers evaluate your risk. Newly licensed therapists pay higher rates initially, while experienced practitioners with specialized credentials often qualify for better pricing.

How to Get Cheap Massage Business Insurance

Reducing your massage business insurance expenses begins with deliberate comparison shopping and effective risk management; our step-by-step guide lays out the process. Follow these steps to secure cheap business insurance for your massage business and build a healthier risk profile over time.

1
Choose the right coverage types for your business
Massage therapy businesses need professional liability (malpractice) for treatment injuries like tissue damage or aggravated conditions, general liability for slip-and-falls in your spa or clinic, and property insurance for massage tables, linens and equipment.

Add sexual misconduct coverage since allegations can arise even with proper protocols, commercial auto if you provide mobile massage services, and product liability if you sell oils, lotions, or wellness products.
2
Shop multiple insurance companies
Massage therapy premiums vary based on whether you operate a solo practice, multi-therapist clinic, or offer specialized treatments like deep tissue, cupping, or hot stone therapy. Bodywork-focused insurers understand licensing requirements and treatment-specific risks better than general carriers.
3
Bundle your coverage types
Combining professional liability, general liability, and property coverage saves 17% to 25% compared to purchasing separately. Many wellness insurers offer massage therapy packages that include sexual misconduct and product liability at reduced bundle rates.
4
Increase your deductibles
Higher property deductibles of $500 to $1,500 can reduce premiums by 15% to 22%, which works well for established practices with minimal equipment. Keep professional liability deductibles low since defense costs for malpractice claims can reach $30,000 to $50,000 even when you're not at fault.
5
Pay annually instead of monthly
Monthly installment plans add 5% to 9% in processing fees. Paying upfront eliminates these charges and earns 6% to 8% discounts from most wellness carriers.
6
Review and adjust your coverage annually
Review your policy whenever you hire therapists, add specialized modalities like prenatal massage or sports therapy, or expand into spa services with hydrotherapy or body treatments. If you've completed advanced certifications, implemented intake protocols, or installed security cameras, these improvements can qualify for premium reductions.

Insurance for Massage Business Cost: Bottom Line

The average cost of massage business insurance ranges from $13 to $170 per month, depending on your business size, claims history and location. You can find cheaper rates by comparing quotes from several insurers, bundling your policies, selecting higher deductibles and choosing annual payments over monthly installments.

Massage Insurance Cost: FAQ

Massage business owners commonly ask about insurance costs. We answered the most frequent questions below:

What is the cheapest type of massage business insurance?

Workers' compensation is the most affordable at $15 monthly, though it only covers employee injuries. Most massage businesses require general liability coverage ($97 monthly) for protection against client injuries and property damage lawsuits.

How much does massage business insurance cost in expensive states like California and New York?

You'll pay more in these states. General liability in California runs $107 monthly (versus $97 national average), and BOP costs $155 monthly (versus $141 average). New York is similar at $112 and $167, respectively.

How much can I save by bundling my massage business insurance policies?

Bundling delivers greater savings compared to purchasing individual policies. Most insurance companies provide discounts when you combine general liability, commercial property and commercial auto coverage under a single carrier.

What factors make my massage business insurance more expensive?

High-risk locations, prior claims history, specialized equipment coverage, multiple employees, additional services like aromatherapy, facility liability exposures and credit scores all increase premiums.

Should I choose a $500 or $2,500 deductible for my massage business insurance?

Higher deductibles reduce monthly premiums, though you'll have larger out-of-pocket expenses during claims. Select based on your financial capacity and expected claim frequency.

How much does workers' compensation cost for massage businesses by state?

Workers' compensation costs for massage businesses vary by state, spanning from $13 monthly in Maine to $17 monthly in New York for coverage.

Is business owner's policy (BOP) worth the extra cost for massage companies?

Yes, BOP insurance is worth the investment for massage companies. At $141 monthly, BOP packages general liability, commercial property and business interruption coverage together, delivering better value and simplicity than purchasing individual policies.

How often should I shop around for massage business insurance quotes?

Shop for new quotes each year when your policy renews. Compare at least three insurers to find potential savings, especially after expanding services or adding staff.

How We Determined Massage Business Insurance Costs

We collected massage business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:

Two employees (three people in 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

We used a typical small massage business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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