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Massage therapist insurance is designed to protect professionals offering massage therapy services. Having the right insurance in place is important due to the nature of the work, which involves direct physical contact with clients.
You can buy different types of business insurance:
Public liability insurance - covers costs if a client is injured or their property is damaged during a session
Product liability insurance - covers costs if products (like oils or lotions) are defective or misapplied
Professional indemnity insurance - covers costs if a client claims you provided negligent or incorrect treatment
🚩 Employers liability insurance is a legal requirement if you have staff
🚩Public liability insurance is necessary when working with members of the public
While not always legally required, public liability and professional indemnity insurance are highly recommended. As you work directly with clients, there's always a risk of accidental injury or claims of negligence.
Having these insurances is invaluable for covering compensation and legal fees if a client is injured or claims your treatment was harmful, protecting you from potentially devastating financial losses.
While not a direct daily fine like some industries, failing to have appropriate liability cover can lead to significant legal costs and fines if a client is harmed, as UK legislation prioritises client safety.
Even with careful practice, injuries can occur during massage therapy. Insurance covers medical expenses and legal costs if a client is injured.
Accidental damage to a client's property during a home visit or within your own practice can be covered.
Your massage table, oils, and other tools are all important for you to be able to carry out your services. Insurance covers repair or replacement if they're damaged or stolen.
You can be taken to court if a client or a member or the public believe they have been physically or financially harmed because of your company's business activities. As a therapist, potential liabilities range from injuries sustained during a treatment to adverse reactions from products used.
Public liability insurance provides essential protection, covering legal fees and compensation should such claims arise.
If you're unable to work due to injury or illness, insurance can help replace lost income, ensuring financial stability.
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Comparing quotes from different insurers allows you to find the best deal out there.
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Public liability insurance protects you if your work harms members of the public.
Employers’ liability insurance protects you if your staff become ill or injured at work.
Personal accident insurance protects you if you're injured.
Commercial building insurance protects offices and workplace buildings.
Business contents insurance protects equipment, including in home offices.
Professional indemnity insurance protect you against claims of negligence.
(Per Year) | Cheapest Price | Average Price |
|---|---|---|
Massage Therapist | £66.48[6] | £82.64[7] |
The table shows the average prices paid by our customers for massage therapists insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
According to our latest data, 10% of customers paid this when taking out an annual massage therapist business insurance policy.
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
Can be covered | Usually not covered |
|---|---|
✔ Legal expenses | ✖ Intentional harm or damage |
✔ Injuries, deaths and illnesses | ✖ Actions performed under drugs or alcohol |
✔ Stock and business equipment | ✖ Wear and tear |
✔ Business vehicle cover | ✖ Improper use of business vehicles |
✔ Financial loss |
Almost 9 in 10 of business insurance claims made by MoneySuperMarket customers were accepted last year.
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
Yes, insurance is recommended for massage therapists. At a minimum, they should have treatment and public liability insurance, which covers claims of malpractice and accidental damage or injury. While insurance is not legally mandatory, it provides essential protection for both the therapist and clients.
Yes, in the UK, you need at least a Level 3 Diploma in a relevant subject to practice massage therapy. Additionally, if you want to open a clinic or parlour, you will legally require a Massage and Special Treatments Licence.
Massage therapists should prioritise public liability insurance, to cover potential client injuries, and professional indemnity insurance, which is crucial for defending against claims of negligence or malpractice
Yes, but it's important to inform your insurer about any additional therapy services you provide to ensure your policy offers comprehensive coverage.
Make sure to tell your insurer if you're training other massage therapists, so they can update your policy and make sure you have the right cover in place. If you're employing those trainees, employers' liability insurance is a legal requirement.
Beyond personal injury, claims related to allergic reactions to oils or lotions, or accidental client injuries during treatment, are also potential risks. Whether you're a self-employed therapist, contracted massage therapist, or run a clinic, a compensation claim could severely impact your financial stability. Investing in a comprehensive insurance policy, with premiums starting from as little as £4.62[10] a month can provide crucial protection against these unforeseen events
Jake Edmonds Insurance Expert
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No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
According to Simply Business data, 10% of customers paid this amount or less monthly for a massage therapists insurance policy. Figure based on annual policies purchased in 2024.
Simply Business is one of the UK's leading providers of business insurance, serving 1 million customers across 1,500 trades.
Simply Business data 2024
YouGov Survey 1st October 2023 to 30th September 2024. Net recommended score derived from “Which of the following online service website would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=19272, CompareTheMarket n=17631, Go.Compare n=10457, Confused.com n= 8421, Uswitch n=681)
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
According to Simply Business data, 10% of customers paid this amount or less for an annual massage therapists insurance policy. Figure based on policies purchased in 2024.
According to Simply Business data, 51% of customers paid this amount or less for an annual massage therapists insurance policy. Figure based on policies purchased in 2024.
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
According to Simply Business data, 10% of customers paid £4.62 or less monthly for public liability insurance policy with Simply Business. Figure based on annual quotes purchased between 1st February- 30th April 2025.
