Massage Therapist Insurance Coverage Checklist
The coverages a massage therapist business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for licensed massage therapists and small massage practices. Priorities reflect typical exposure for this class; confirm against the modalities offered and the practice setting.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (Massage) | Covers injury claims from treatment — bruising, nerve injury, burns from hot stones, reactions to oils. | Core | |
| Abuse & Molestation / Sexual Misconduct | Covers defense of inappropriate-touching allegations — many policies exclude them or cap them at $10,000-$25,000. | Core | |
| Commercial General Liability | Covers client slips and falls and damage at clients' homes during mobile sessions. | Core | |
| Products Liability | Covers reactions to oils, lotions, and CBD products used or sold. | Prevalent | |
| Business Personal Property | Covers tables, stone heaters, and equipment, including in vehicles. | Prevalent | |
| Hired & Non-Owned Auto | Covers driving to mobile appointments in a personal vehicle. | Situational | |
| Workers' Compensation | Required in most states with employees; repetitive strain is common. | Situational | |
| Cyber / Privacy Liability | Covers client health intake records. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for sexual misconduct allegations. Most general and professional liability policies exclude them, and many massage policies offer only a small sublimit — yet defense costs alone for an allegation can reach $50,000 to $200,000, whether or not the claim is true. Franchise lawsuits have also targeted owners for negligent hiring and for ignoring prior complaints. Confirm the abuse and molestation limit in writing, and keep background checks, draping and consent policies, and a written complaint procedure in place.
Send us the checklist and we'll review your massage therapist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Massage Therapist Insurance · Massage Therapist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a massage therapist business need?
The core coverages for a massage therapist business are Professional Liability (Massage), Abuse & Molestation / Sexual Misconduct, Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my massage therapist coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.