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What's on this page

Why is massage therapy insurance important?

Our policies cover more than just your public liability risks. Close contact and physical therapy make accidental injuries a common risk, but it’s important to factor in potential costs for other things too, from your own accidents which stop you working to employee claims if you’ve hired anyone else.

Need sports massage insurance? We’ve got that covered too, with policies specifically designed for your clients and risks.

  • massage therapist insurance with a UK-based claims and customer service team
  • peace of mind that lets you focus on the therapy, not the what-ifs
  • public and product liability insurance between £1 million and £5 million
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What does massage therapist insurance cover?

From the clients you work with to the employees you rely on, lots of factors are important when choosing your cover. We let you decide, usually starting with public liability insurance for massage therapists – UK professionals often have this top of their list – and adding in other specific cover you may need. Whether it’s an employee risk or legal expenses insurance, we’ll help you find the protection you need.

Public liability insurance for massage therapists

In case your massage therapy business causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your massage business
  • an injury or illness caused by your business activities or products
  • accidental damage or injuries caused by your employees

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:

  • one of your clients slips on some cleansing gel on their way out of the treatment room, landing hard on their wrist which causes a bad sprain
  • during a therapy session, massage oil spills onto your client’s designer handbag, causing a permanent stain

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your massage business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • one of your employees suffers a severe allergic reaction to a new product you’re trialling
  • an employee injures their back during a refurbishment by lifting a box which wasn’t labelled correctly

Legal expenses insurance

In case you’re faced with legal costs from running your business.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your massage therapy business
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes, and investigations you need help with
  • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your reputation as a trusted therapist

For example:

  • you need to pay legal fees when an employee sues you for unfair dismissal
  • HMRC investigate your tax affairs and you need to pay for legal representation

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at or outside of work.

What’s typically covered by personal accident insurance?

  • accidental injury or death at or outside of work, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • while on holiday you break your ankle on some steep steps – you’ll need to take several weeks off work
  • your employee slips during a therapy session, injuring their wrist – their doctor advises them to take three weeks off work for proper healing

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does insurance for massage therapist businesses cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.00 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

Example massage insurance quotes, real prices

£7.47 /month

£54.66 /month

A part time masseuse who works on residential home visits

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Watford

Public liability

£1,000,000


Employers’ liability

Not included


Contents & business equipment

Not included

£22.07 /month

£196.16 /month

A small massage company who rents rooms in a hotel and offers home visits

  • 5+ years' experience
  • Limited company
  • 3 employees
  • Based in Peterborough

Public liability

£2,000,000


Employers’ liability

£10,000,000


Contents & business equipment

Not included

How we work out example quotes These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Tools£60£500
Stock£100£500
Business and office equipment£50£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

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We handle claims, so you can get on with business

How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Is public liability enough for third party property damage?

In some situations you may need more than public liability to cover certain kinds of property damage.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does massage insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider beauty salon insurance or beauty insurance?

Do I need cover for other types of work?

If you provide these services alongside massage work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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0333 043 8527
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FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having massage insurance through Simply Business has saved UK professionals thousands of pounds when the unexpected happened.

Jennifer saved more than £18,600

After performing a Swedish massage treatment for her client, Jennifer (not her real name) received a solicitor’s letter, alleging the session had caused a severe knee injury. Her massage therapy insurance included public liability protection, which covered her for the full accidental injury cost.

Insurance payout

£18,639.60

Covering the cost of accidental injury


Jennifer’s costs

£100

The excess amount stated in Jennifer’s policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Insurance for massage therapists FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for UK massage therapist businesses. You can also check out our business insurance FAQs.

  • Because you’re in close contact with clients and may visit them at home or in other locations, protection for public liability claims can provide a certain amount of peace of mind. It works to cover you for injury and damage claims, usually from clients or members of the public.

    For example, imagine a product you’re using drips onto a client’s coat and causes a stain. Your massage therapist public liability insurance could cover the compensation payment.

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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