Massage therapist insurance UK

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

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Massage therapist insurance
Massage therapist insurance
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Quickly priced
Buy online 24 hours.
Buy online
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Instant cover
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Pay monthly
The problem

Massage therapists face many risks

Claims you did more damage than good

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

Accidental client injury

Falling off a table, tripping over a towel are accidents that have happened and some led to claims of compensation.

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 treatement.

Insurance for massage therapists

You need insurance for massage therapists that's low cost, flexible and protects you against compensation claim

the suited way
Insurance made better

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.

Covers to consider

How much does massage therapist insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers massage therapists should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 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

Self employed professional indemnity insurance

Professional indemnity

from £8.63 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

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 +£9.24 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
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

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

In detail

Picking your liability insurance for massage therapists

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).

Therefore in this article we focus on professional liability, the riskiest aspect of massage therapy. There are plenty of situations that can give rise to a claim from an unhappy client. Sometimes it is a fine line whether such a claim should fall under professional indemnity or public liability cover, the two key elements of insurance for massage therapists.

We look at the reasons why have both of these covers in your legal arsenal.

Professional indemnity insurance for massage therapists

Professional indemnity insurance is a legal cover which defends your professional conduct. We've already mentioned some risk examples above and there are many more scenarios during which you could face a claim from a client.

Many clients seek treatment when they have a problem. That in itself represents a risk for you. If you deliver treatment that exacerbates the issue further, you're very likely to face a comeback from the client.

At best they'll ask for their money back and leave you with a bad review. On the other end of the scale they might engage a lawyer and try to sue you for compensation.

A massage is a very personal and close contact situation. Despite your best endeavours you might make a client feel embarrassed or uncomfortable. It is quite rare that a professional masseuse is accused of inappropriate conduct but some clients can be extremely sensitive and may claim you've touched them inappropriately or caused emotional stress.

Reasons to add public liability insurance for massage therapists

Public liability insurance is also a legal cover but designed for slightly different circumstances. Public liability protects you if you've accidentally caused an injury or property damage.

That is why adding public liability insurance to your professional indemnity offers a very robust legal protection.

You will have someone to fight your corner (legally speaking) at no costs to you if faced with a claim from an enraged client. In other words any legal costs, and a possible compensation if you're found liable, will be paid for by the insurers.

Remember that if you sell products (e.g. massage oils) with your services, your public liability should also include products liability. Suited PL cover offers both elements as standard.

How does liability insurance protect massage therapists?

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.

Suited professional indemnity professional indemnity insurance for massage professionals (as well as public liability) cover is built on three pillars. They cover all your legal costs incurred in your defence, they pay compensation if you're found liable and they provide you with a qualified legal team right from the beginning so that the issue you're facing is dealt with quickly and to everyone's satisfaction.

The insurer behind both covers holds an A+ rating which means very good financial stability and they pride themselves on their positive attitude to claims. Customer experience is one of their priorities as is providing the right expertise. This is why both covers extend to the services of an international law firm experienced in dealing with PL and PI claims. They'll represent your interest during a possible claim situation.

In addition Suited professional indemnity insurance for massage therapists comes with an extra section for business legal expenses - Business Legal Protect - which is designed to help you deal with tax issues (e.g. HMRC disputes), negative PR, and other commercial legal matters not typically covered by PI or PL insurance.

How else can massage therapists protect themselves?

With public liability and professional indemnity insurance massage therapists can feel safer in difficult client circumstances but 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 then explain to the client what you'll be doing and why. Ensure the client is comfortable with your approach.
  • Keep checking in with client during the treatment to ensure you're not causing any 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 is in need of expertise exceeding your own qualifications, refund them their money and let them go.

In this section

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?

Have a read of the article above which will hopefully explain the reasons in more detail.

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 therapist uk?

There are no qualification or insurance requirements by the UK law but both are highly advisable if you want to provide this service to clients.

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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