Massage therapist insurance

Secure massage therapist insurance quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8 - 24 reviews
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Massage therapist insurance
Massage therapist insurance
Massage therapist insurance
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What is massage therapist insurance?

Massage therapist insurance typically isn’t one insurance product. Massage therapists often need more than one cover to meet the needs of their massage work.

Because massage therapists work with people, public liability is often the first insurance most massage therapists buy. However, massage therapists also provide advice, meaning professional indemnity is required. Commercial legal expenses insurance is valuable, so we include it with your subscription.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do massage therapists need insurance?

Every massage therapist faces some level of risk of being accused by their clients of causing an injury, property damage or professional misconduct (giving the wrong advice, incorrect treatment or similar).

Claims you did more damage than good

Your client claims the therapy didn't yield the expected benefits or accuses you of causing them an injury by being negligent - you might be facing a demand for financial compensation.

Accidental client injury

Falling off a table or tripping over a towel are accidents, and some lead to compensation claims.

Accusation of inappropriate conduct

Getting close and personal is your job, but a gesture or something you say could be easily misunderstood.

Failing your duty of care

A client says you failed to establish their pre-existing medical condition and proceeded with incorrect treatment.

Public liability insurance for massage therapists

Public liability insurance covers risks associated with face-to-face work.

Massage therapists meet members of the public and are in constant physical contact with clients; this means there is always a risk of accidents.

What does massage therapist public liability insurance cover?

Public liability provides massage therapists with legal defence and covers a possible payout if you're found liable for property damage or causing an injury.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A client visits your premises and is injured in a slip or fall
  • You visit a client's home and damage their property by knocking over a coffee

Professional indemnity insurance for massage therapists

Professional indemnity insurance defends your professional conduct and advice. 

Many people seek massage treatment when they have an injury. If your treatment or advice worsens their injury, they may accuse you of aggravating it.

An unhappy client may request their money back or give a bad online review. However, they may also engage a lawyer to sue you to seek an expensive compensation payment.

What does massage therapist professional indemnity insurance cover?

Professional indemnity insurance protects massage therapists from claims or accusations of wrongdoing from their professional advice.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • Your treatment caused an injury
  • Your advice made an existing injury worse
  • You client accuses you of inappropriate conduct

What professional indemnity limit do massage therapists need?

The professional indemnity limit you need depends on your situation. When choosing a limit, consider several factors: Does the venue you work at require a specific limit? How often do you massage? How many clients do you have? How much could it cost if your massage goes wrong? Generally, more complex massage businesses require higher limits.

Switching your professional indemnity insurance

Usually, when you cancel or switch your professional indemnity policy in the UK, you can no longer make claims against the previous policy.

If you change provider, ensure your past work is covered, called “retroactive cover”.

Should I keep professional indemnity insurance if I retire from massage therapy?

It’s wise to keep your professional indemnity if you retire from massage therapy. Claims against professional misconduct can surface months or years after you do the work.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you; consider the type of massage you did and the likelihood that a client might bring a claim against you. 

Tips for massage therapists

If you have public liability and professional indemnity insurance, massage therapists can feel safer in difficult client circumstances. Still, you can minimise the risk further and protect yourself with the following steps:

  • Before treating a client for the first time, quiz them thoroughly about their current state of health, allergies, and why they're seeking your services.
  • Make notes of your findings and explain to the client what you'll be doing and why. Ensure the client is comfortable with your approach.
  • Keep checking in with the client during the treatment to ensure you're not causing pain or discomfort.
  • Don't be afraid to say no. If your professional instinct tells you the client may not be the best candidate for your services or the client needs expertise exceeding your qualifications, refund them their money and let them go.

Massage therapists we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of massage therapists, including:

  • Swedish massage therapists
  • Deep tissue massage therapists
  • Sports massage therapists
  • Hot stone massage therapists
  • Prenatal and postnatal massage therapists
  • Thai massage therapists
  • Shiatsu massage therapists
  • Reflexology therapists
  • Aromatherapy massage therapists
  • Lymphatic drainage massage therapists
  • Craniosacral massage therapists
  • Myofascial release therapists
  • Neuromuscular Therapy Therapists
  • Indian head massage therapists
  • Chair massage therapists
  • and more..

Shopping for massage therapist liability insurance

Whether or not you decide to use Suited massage therapist insurance to protect your business, it’s worth keeping the following in mind:

Cheap massage therapist insurance

When thinking about buying insurance for massage therapists, while a competitive price is always welcome, don't choose a product just because it's cheap. When the price is too low, you'll need to take extra care to read the small print, especially what is excluded and what would happen if you had a claim.

The insurer's reputation is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
Suited awards.

Common questions

Can I get massage therapy business insurance without qualifications?

If you wish to buy Suited insurance, you have to be suitably qualified or have years of relevant experience.

What massage therapist insurance do I need?

As a massage therapists you may need public liability and professional indemnity insurance to protect yourself from compensation demands from either unhappy customers or a third party.

Why is public liability insurance important to a massage therapist?

Regular face to face contact with the public, their property or your clients is a reason to have public liability insurance. PL cover protects you against accidentally causing an injury or property damage while at work.

What are the legal requirements for massage therapists | UK?

There are no qualification legal requirements for massage therapists in the UK. But you should be suitable qualified to offer massage services and also insured.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Self-employed insurance done fast, clear and upfront.

Massage therapist public liability insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

A plus rating.
Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Contact us
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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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