Sports massage insurance

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

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Sports massage insurance
Sports massage insurance
Sports massage insurance
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What is sports massage therapy insurance?

Sports massage therapist insurance typically isn’t one insurance product. Sports massage therapists often need more than one cover to meet the needs of their work.
Because sports massage therapists work with people, public liability is often the first insurance most sports massage therapists buy. However, sports massage therapists also provide advice and treatment, which means professional indemnity is essential.

How much does sports massage therapist insurance cost?

Professional indemnity insurance for sports massage starts from £7.67 a month and increases depending on the required insurance limits, business size, and claims history.

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
Self employed professional indemnity insurance

Professional indemnity

from £9.54 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 £20.41 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 £22.78 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

Included
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...

Chezza
on Trustpilot
14 February
Great!

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...

Mokolada
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 sports massage therapists need insurance?

Every sports 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 sports massage 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 sports massage therapists

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

Sports 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 sports massage therapy public liability insurance cover?

Public liability provides sports 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 who visits your premises gets injured in a slip or fall and is demanding that you pay compensation.
  • During your visit to a client's home, an accident occurs and you’re blamed for the consequences which could be property damage or an injury.

Professional indemnity insurance for sports massage therapists

Professional indemnity insurance defends your professional conduct and advice. 

Many people seek sports massage treatment as a way of managing their injury. If your treatment or advice worsens the issue, you may be accused 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 sports massage therapy professional indemnity insurance cover?

Professional indemnity insurance protects sports 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 sports 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 by including what is called “retroactive cover”.

Should I keep professional indemnity insurance if I stop providing sports massage therapy?

It’s wise to keep your professional indemnity if you pause or stop your sports massage therapy activities. 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 sports massage therapists

If you have public liability and professional indemnity insurance, sports 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, ideally in writing, about their current state of health, allergies, and why they're seeking your a sports massage.
  • ‍‍‍‍Make notes, explain to the client what you'll be doing, why and the limitations of the treatment. 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.

Shopping for sports massage therapist 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 sports 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.
FAQs

Common questions

I offer massages from my own or a client's home. Am I covered everywhere with Suited insurance?

Yes, your Suited policy covers you wherever you carry out your work.

Occasionally I provide other types of massages. Will those be covered as well by Suited insurance?

When purchasing insurance, simply select ‘massage therapy’ and you will be covered for all mainstream types of massages.

Do I need to be formally qualified?

Yes. In order to secure Suited insurance, you must have relevant qualifications and experience. You do not need to provide any evidence prior to purchase, but we may ask you for it in the event of a claim.

I am a student, can I get insured with Suited?

Yes, but you must be in formal training with a recognised accredited organisation.

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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Sports massage insurance
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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.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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

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Monday—Friday, 8:30am to 5:30pm

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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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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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