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The Daily Horizon

What insurances cover massage therapy?

Author

Christopher Martinez

Published Jan 20, 2026

There are five basic types of insurance a massage therapist needs in order to be fully protected:

  • Malpractice Insurance.
  • Public Liability Insurance.
  • Products Liability Insurance.
  • Professional Indemnity Insurance.
  • Commercial Property Insurance.

What insurance do I need as a sports therapist?

The Medical Malpractice and Public Liability insurance cover provided by The Society of Sports Therapists, for Members who are eligible, is provided as a service. It is not compulsory for Members to take the Society insurance but, if not, evidence of alternative appropriate cover must be shown.

Does insurance cover deep tissue massage?

There is no standard requirement for insurance companies to reimburse expenses for massage. Massage therapy may be covered when: The massage is considered medically necessary and/or fits the definition and criteria of coverage given by the health insurance company.

Do insurances cover massages?

Massage therapy may be covered when: The massage is considered medically necessary and/or fits the definition and criteria of coverage given by the insurer. If the massage fits into the criteria of a “habilitative or habilitation” treatment, it may be covered by health insurance as an essential health benefit.

How much do sports therapists earn?

A full time sports therapist with a professional team would earn approximately £28,000 to £36,000 a year. A self-employed sports therapist would charge individual clients from £25 to £40 an hour. As a sports therapist working in the NHS you will be on Agenda for Change Band 5, £26,104 to £32,915 a year.

What does BASRaT insurance cover?

Membership benefits include: Access to course listings, job ads and professional information at basrat.org. Administrative support and advice on professional issues, including Continuing Professional Development. National and International representation to promote and develop Sport Rehabilitation.

What is public liability insurance in sports massage?

Public Liability provides protection against legal liability for accidental injury to any person or damage to their property because of the actions of your business. Professional Indemnity will cover you against claims arising from the advice you give to your clients.

When should you get a deep tissue massage?

Deep tissue massage is best suited for people who engage in highly physical activities, such as running, or those who have an injury or chronic pain. If you have a low pain threshold or are looking for relief of tense muscles, Swedish massage is gentler and may be a better option.

Do you need liability insurance for a massage therapist?

Having professional liability insurance coverage as part of your AMTA membership gives you the peace of mind that you will be protected in your day-to-day massage practice.

How much does massage therapy insurance cost at BBI?

However, to make things simple, at Beauty & Bodywork Insurance (BBI) we offer one price for professionals ($96) and one price for massage therapy students ($67). Please note that if your services include any of the excluded methods listed on our site, you will not qualify for coverage under these prices.

What are some common claims for massage therapy?

Another common massage therapy claim is that the massage therapist performed the massage, and days later the client either had bruising, an infection, or some other bodily injury. Another possible claim of massage therapy is blood clots taking place where the massage therapist did the massage.

Can a massage therapist be named in a lawsuit?

With coverage through AMTA, your interests are protected if you are named in a lawsuit, and your coverage will travel with you as long as you are practicing within the scope of your license or certification, and in accordance with the modalities not specifically excluded.