Insurance for Massage & Alternative Therapies

Why do Massage Therapists need insurance?

While you help your clients unwind, rejuvenate and relax, let us help you relax with massage therapy insurance. With just a few clicks or a single phone call, you’ll get multiple competitive quotes from leading insurers. Select your preferred policy and you’ll be covered instantly, so you can continue running your business without any worries.

Insurance for Massage Therapists 

Professional Indemnity* 

Your clients trust your expertise and knowledge to treat a variety of ailments as well as promoting their general health. Just like any health provider, it’s an unfortunate reality that massage therapists are susceptible to the risks of making an error or providing misleading advice, leaving you open to claims of negligence. 

A compensation claim made against you could potentially cripple your business, not to mention ruin your reputation. Professional Indemnity insurance will protect you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice.  Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).

Public Liability Insurance* 

Whether you work from your own practice or you visit your clients at another location, you’re always working closely with them, making Public Liability insurance an important form of cover. 

Public Liability insurance is designed to provide protection for you and your business in the event a client, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. 

Slips, trips and falls can be caused in your work as a massage therapist or alternative therapies professional (think of that puddle of oil on the floor you forgot to clean up).  Having the right Public Liability insurance gives you peace of mind and financial protection for when your business needs it most. 

Remember, if you have a home-based practice the Public Liability insurance included with  your Home & Contents Insurance may not cover events related to your business activities. 

Business Insurance* 

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).  A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to a business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

Cyber Liability* 

Cyber Liability insurance – A cyber liability insurance policy is designed* to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered.  Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event. 

Claim Examples

A treatment gone wrong

A massage therapist performed an ancient skin scraping massage on a client which involved an ox horn being rubbed repeatedly on their back. The treatment was applied incorrectly which resulted in the client having bruising to several parts of their back, as well as muscle damage. 

The client lodged a claim against the massage therapist in relation to the injuries sustained. Following investigations, the client was awarded $10,000 in compensation including for ongoing medical treatment and loss of income. Luckily, the therapist had Professional Indemnity insurance to pick up the bill!