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Insurance for Massage Therapist

Instant massage therapist insurance that combines professional indemnity, public liability and products liability

Starts from $287 per year

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protects you against

What is covered under this insurance policy for Massage Therapist?

Massage therapist insurance under the allied health professionals insurance covers remedial massage therapists, clinical massage therapists, therapeutic massage therapists, remedial therapists, sports massage therapists, home massage therapists and is designed to include both professional indemnity and public liability and products liability.

The policy is suitable for massage therapists working remotely, in clinics and salons or a business owner.

The policy can cover massage therapists that work full time, part time or freelance. 

Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your massage therapy services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your massage therapy business in the course of providing your professional services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your massage therapist business for any products sold or supplied by you to a third party in Australia.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your massage therapy business.

Defamation

Protects you and your massage therapist business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your services.

other benefits

Value added benefits of the massage therapist insurance policy

Contract Review

This entitles you to four contract reviews each year you have your massage therapist insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

After a remedial massage therapy session, your client experiences a severe case of post-massage soreness and malaise and blames you.

Trips, Slips and Falls

You forgot to place a mat near the massage table and your client slipped and injured their spine.

Negligence

Application of extra heat during a heat massage therapy leads to severe swelling of a client’s limbs.

Error of Judgement

Some essential oils used during a massage session led to severe allergies and rashes on your client's skin.

Bad Professional Advice

The client was recommended a massage therapy that was not appropriate for them owing to a previous injury. They end up in the hospital and need bed rest.

Third Party Damage

During a massage appointment at a client's home, you end up damaging their fixtures.

exclusions

What is not covered (exclusions) under massage therapists insurance?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Occupational therapist
See More
Reiki Healers
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Speech Pathologist
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Counselling therapist
See More
Physiotherapist
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Other 20+ Therapy Professions
See More
how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get massage therapist insurance to win that client or to conduct some treatments at your new massage gig, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click! 

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, massage therapist insurance is the perfect solution for massage therapists, remedial massage therapists, clinical massage service providers, therapeutic massage therapists, sport massage therapists, home massage therapists and massage clinic owners.
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FAQs

You asked, We answer

Why is massage therapist insurance important?

Massage therapists help relieve pains and aches or simply make people feel pampered. However, massage therapists deal with bodies and sometimes mistakes happen. In such situations, indemnity insurance helps take some of the stress away.Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance. This protects you and your business against any advice you give to your clients. 
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You may still be required to get insurance even if you are working as afreelance massage therapist, a student therapist or a massage therapist contractor. If you're unprotected, you could suffer a devastating financial blow.

What can a massage therapist be sued for?

While we hope it doesn't happen, massage therapists can potentially be sued for:
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1. Covering medical costs (current and future) for a client that is injured
2. Loss of a client's earning capacity when the client is off work
3. Additional compensation if the damage to the client is permanent/long-lasting
4. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered today with tailored massage therapist insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under reiki practitioner insurance?

1. Clinical Massage Service
2. Massage (not Adult)
3. Massage Therapist
4. Massage Therapy Service
5. Massage Service (Except Clinical Or Therapy Massage Service)
6. Remedial Therapist
7. Therapeutic Massage Service
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078