Breathe Easier Knowing All-Inclusive, Comprehensive Massage Therapy Insurance Is Here For You Starting at $159 per Year

Liability Insurance For Full and Part-Time Massage Therapists.

Despite a massage therapists best efforts to rejuvenate their customer’s mind, body, and soul; injuries do occur. Career Shield Insurance is here to help provide the best insurance plan that fits right for any situation.

PROFESSIONAL 1YR

$159 /12 Months

PROFESSIONAL 2YR

$279.95 /24 Months

Trusted In Your Industry & Beyond

We’re thrilled to welcome you to our team! Join over 300,000 professionals who are experiencing peace of mind, comprehensive protection, and business-building coverage with our best-in-class malpractice insurance and exclusive member benefits. The best part? We’re backed By Arthur J. Gallagher—Fortune 500 global insurance brokerage—and underwritten by Arch Specialty Insurance Group—with an  A+ Rating by AM Best. 

We Provide What Other Partners Don’t—All-Inclusive Coverage at a Peace of Mind Price

COVERAGE TYPE

Professional & General Liability 

Product Coverage

Damage to Rental Premises

Stolen Equipment Coverage 

Identity Protection Plan

LIMIT 

$2 million per occurrence/ $3 million annual aggregate

$2 million annual aggregate

$100,000

$1,000 with a $250 deductible

$25,000

Peace of Mind Begins With Reliable, Comprehensive Coverage

Do your job confidently knowing you’re covered by the reliable, dependable protection you need. With occurrence form coverage, you’ll remain protected for the time period you were covered—even after your policy expires.

Insurance Policy Highlights

350+ MODALITIES COVERED. NO EXTRA COST.

Experience comprehensive coverage that backs over 350 different massage, yoga, and beauty modalities.
No Added Fees—From hot stone and cupping to kinesiology and shiatsu, our all-inclusive coverage will ensure that you (and your services) are protected, all without charging you any additional fees.
Coverage That Follows You—Even if you change jobs, switch to part-time, or find a new location, our coverage will move with you to ensure you’re protected.
Instant Certificate—Never again will you need to wait around for approvals—we provide instant coverage as soon as you checkout. Receive instant coverage and proof of certificate immediately upon purchase.
Get More, Save More—30% more, in fact! Our coverage can save you up to 30% over our competitors’ rates. We’re proud to offer you all-inclusive coverage at the right price—because we know you deserve comprehensive coverage at an affordable rate.

EXCLUSIVE MEMBER BENEFITS

In addition to comprehensive coverage, affordable rates, and peace of mind, we offer our members exclusive benefits only available to those who team up with Career Shield Insurance. 

FREE Business Resources—an easy-to-customize website, industry discounts, resources for building your massage business, and so much more! 

Discount Subscription to Massage Magazine—knowledge of your industry at your fingertips. Each Career Shield Insurance member will receive a 50% discount for 1 FULL year subscription to Massage Magazine. 

Peace of Mind—experience an industry-preferred occurrence form liability coverage and individual aggregate limits that will protect you from any claims that might arise.

Do I Need Massage Insurance?

The short answer? Absolutely. As a professional who works in a hands-on, up-close and personal environment, it’s crucial for all massage therapists and students (full-time and part-time) to consider how important it is for the proper type and amount of insurance coverage. No matter how skilled, professional, and cautious you might be, accidents and injuries happen—and more importantly, allegations of these happen too. It’s vital to protect your job, your future, your finances, and your reputation with proper liability insurance. A high-quality massage therapy insurance policy can safeguard you from the repercussions of an incident, a claim, or a lawsuit that might arise. Discover Career Shield Insurance’s all-inclusive, comprehensive policy options that were tailor-made for massage therapists just like you. Experience the peace of mind you need to do your job confidently with top-notch coverage from an insurance partner who values you.

Protect Your Career Today 

Or call (866) 945-1699 to speak to a live insurance representative.

Need to Weigh Your Insurance Options?

Compare massage liability insurance providers in the grid below.

Massage Styles Covered by Career Shield Insurance

Abhynanga
Active Isolated Stretching
Acu-Kinesiology
Acupressure
Acutonics
Ai Chi
Alexander Technique
Amma Therapy
Animal Acupressure
Animal Massage
Anma Therapy
Applied Kinesiology
Aqua Massage
ARC Technique
Aroma-Reflex Therapy
Aromatherapy
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Ashi-Thai
Asian Bodywork Therapy
Aston Patterning
Asymmetric Body Balancing
Attunement
Ayurvedic Massage
Bach Flower Remedies – Topicals
Balinese Massage
Balneotherapy
Bamboo Fusion
Bamboossage
Barbara Brennan Technique
Barefoot Shiatsu
BART
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Berry Method
B.E.S.T.
Bindegewebs Massage
Bindi
Biodynamic Craniosacral Therapy
Bioenergetics
Bioenergy Massage
Biomagnetic Touch Healing
Biosonic Repatterning
Biosync
Bio Touch Healing
Body Image Enrichment
Body Logic
Body Wraps
Body-Mind Centering
BodyTalk
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Bowen Technique
Breast Massage
Breathing Techniques
Breema Breathwork
Bridgewebs Massage
Canadian Deep Muscle Massage
Cayce/Reilly Massage
Chair Massage
Champissage
Chi Gong
Chi Nei Tsang
Chikly Brain Curriculum
Chinese Massage
Chubinsky Method
Classical Massage
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
CORE Bodywork
Core Energetics
Cranial Release Technique
Cranial Soft Tissue Release
Craniosacral Therapy
Critz Technique
Cross Fiber Massage
Crystal Therapy
Cupping
Cyriax Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Eden Energy Medicine
Egoscue Method
Emotion Code
Emotional Freedom Technique
Energetic Transformation
Energy Balancing
Energy Healing Techniques
Energy Kinesiology
Equine Massage
Equine Reiki
Equirub
Equissage

Esalen Massage
Essential Oils Massage
Facial Massage
Fascial and Membrane Technique
Feldenkrais Method
Feng Shui
Fertility Massage
Fijian Massage
Five Element Shiatsu
Forearm Dance Technique
Four-Hand Massage
Full Spectrum Energy Medicine
Functional Range Release
Geriatric Massage
G-Jo Acupressure
Gua Sha
H.E.A.R.T.
Hakomi
Hama Massage
Hand Reflexology
Hannah Somatic Education
Hawaiian Bodywork
Healing Touch
Hellerwork
Hemme Approach
Hoffa Massage Technique
Holistic Massage
Holotropic Breathwork
Hoshino Therapy
Hot Stone Massage
Hot Towels
Hydrocollator Hotpacs
Hydrotherapy
IGM Method
Indian Head Massage
Infant Massage
Injury Massage
Innovative Pet Therapy
Insight Bodywork
Instruction
Integrated Awareness
Integrative Acupressure
Integrative Eclectic Shiatsu
Internal Organ Massage
Intra-Oral Massage
Ionic Footbath
IP Touch
Jamu Massage
Japanese Shiatsu
Jin Shin Jyutsu
Kiatsu
Kinesiology
Kinesiology Taping
Kinessage
Kripalu Bodywork
Kriya Massage
Kurashova Massage
LaStone Therapy
Lava Shell Technique
LED Lights
LHE Phototherapy (no lasers)
Light of Life Energy
Lomilomi
Longevity Energetics
Looyen Work
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Lymphedma Therapy
Lypossage
Macrobiotic Shiatsu
Magnet Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Mechanical Link
Medical Massage
Medical Qigong Therapy
MELT Method
Mennell Massage Technique
Mentastics
Merciér Therapy
Mother Massage
Moxibustion
Muscle Activation Technique
Muscle Energy Technique
Myofascial Release
Myomassology
Myopractics
Myoskeletal Alignment Technique
Myotherapy
Naprapathy
Nepali Massage
Neural Manipulation
Neuromuscular Reprogramming
Neuromuscular Therapy
New Manual Articular Approach
Niel-Asher Technique

Nuad Bo’ Rarn
Nurse Massage
Ohashiatsu
Okazaki Restorative Massage
Oncology Massage
On-Site Massage
Ortho-Bionomy
Orthopedic Massage
Pediatric Massage
Pet Massage
Pfrimmer Deep Muscle Therapy
PNF Stretches
Polarity Therapy
Positional Release
Postural Integration
Practical Movement
Pranic Healing
Pregnancy Massage
Prenatal Massage
Process Acupressure
Push Therapy
Qigong
Quantum-Touch
Raindrop Therapy
Range of Motion
Raynor Massage Therapy
Reconnective Healing
Reflexology
Reflexology Instruction
Reiki
Remedial Massage
Rolfing Structural Integration
Rosen Method
Rossiter System
Rubenfeld Synergy Method
Russian Massage
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
SacroOccipital Technique
Safe Touch Massage
Schulman Therapy
Seated Massage
Sensory Repatterning
Shen Jing Acupressure
Shiatsu
Shiatsu Amma Therapy
Soma Neuromuscular Integration
Somatic Therapy
SomatoEmotional Release
SourcePoint Therapy
Sound Healing
Sound Therapy
Sports Massage
St. John Neuromuscular Therapy
Steamy Wonder System
Stone Therapy
Strain-Counterstrain
Stretching Techniques
Structural Energetic Therapy
Structural Integration
Sugar Scrub
Swedish Massage
Swe-Thai Massage
Tai Chi
Tapping Techniques
Tellington Touch
Temporomandibular Therapy
Thai Herbal Compress Technique
Thai Massage
Thai Yoga Massage
The Healing Code
Therapeutic Touch
Theresa Primmer Method of Deep
Thumper Massage
Tian Di Bamboo Massage
Tibetan Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trager Work
Trauma Erase
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Tuina
Tuning Forks
Vedic Massage
Venus freeze
Vibrational Healing Massage Therapy
Visceral Manipulation
Warm Bamboo Massage
Watsu
Wurn Technique
Yamuna Body Rolling
Yuen Method
Zen Shiatsu
Zero Balancing
Zone Therapy

Acro Yoga
Acu-Yoga
Amrit
Ananda
Anusara
Ashtanga
Baptiste
Bhakti
Bikram
Chi Kung
Hatha
Instruction
Integral

Integrative
ISHTA
Iyengar
Japa
Jivamukti
Jnana
Kali Ray TriYoga
Kharma
Kripalu
Kundalini
Laughing
Naam Yoga Therapy
Phoenix Rising Power

Power
Prenatal
Raja
Restorative
Sivananda
Stand Up Paddleboard (SUP) Yoga
Svaroopa®
Viniyoga
Vinyasa
White Lotus
Yin
YogaFit® Personal Training
Yoga Therapy*

 

Mat
Apparatus
Instruction

Chemical wave
Children
Custom wrap
Design, cut and style
Flash or balyage highlights
Hair bleaching

Hair coloring
Hair treatments
Hairshaping
Instruction
Permanent wave
Shampooing

Straightening
Thermal styling
Waves
Weave
Wet styling
Wig stylist

Acne treatments
Body scrub
Chemical peel (no lasers)
Cold Light Series 6 Facials
Color consultations
Cosmetic massage
Dermaplanning
Eyebrow shaping
Eyebrow tinting

Eyelash Extensions
Facials
Hair removal (no lasers)
Herbal wraps
Instruction
Make-up (not permanent)
Manicures
Micro-current Toning
Micro needling

Microdermabrasion
Pedicures
Salt scrubs
Skin peels
Ultra sonic facial
Ultra sound facials
Vitamin C peels
Waxing

Acrylic
Airbrush designs
Charms
False nails
Foot scrubs
Gel
Gems

Glitter
Instruction
Manicures
Nail art
Nail extensions
Nail repair
Painting

Paraffin pedicures
Pedicures
Polish
Stencil designs
Varnish
Youth

Barre
Biodanza
Dance Instruction

Massage Insurance Frequently Asked Questions

Are you still unsure if you need massage insurance? Not quite positive how liability insurance can protect you? Don’t sweat it—we’re here to answer all the questions you have about coverage, details, and the benefits Career Shield Insurance is proud to offer our members.

What is massage insurance?

Think about massage insurance as your safety net. We know you’re talented, professional, and experienced, but massage insurance is there to protect you from a liability claim—in other words, just in case. Just like other professionals, as a massage therapist, you assume a certain amount of accountability and risk when you offer your services, and unfortunately, accidents and injuries do sometimes happen. Whether it’s a client sustaining injuries from an accidental fall or someone experiencing excessive bruising after a massage—professional and general liability will safeguard you against claims that could result from instances like these.

Who Exactly is Career Shield Insurance?

That’s us—it’s nice to meet you! We’re one of the largest service providers offering insurance policy coverage for massage therapists. We’re proud to include more comprehensive coverage and benefits than the average liability policy—and that’s because our massage coverage was crafted specifically for professionals within your industry. We can even offer policies at such competitive rates you might end up paying nearly 30% less than with other providers. But just because we skimp on the price doesn’t mean we skimp on our coverage—we believe in all-inclusive policies that boost your peace of mind, and that means we’ve always got your back.

When should I buy insurance?

While we know massage liability insurance matters, it is advisable to get your liability insurance as soon as you start out in massage therapy school and begin to practice on clients. To avoid adding onto education costs, Career Shield Insurance offers massage student liability coverage available under the main massage programs at a reduced rate. It is also important to review your liability coverage when you begin your career as a massage therapist and start practicing professionally to ensure you are still well protected.

What kind of liability insurance does Career Shield Insurance provide?

We proudly provide our members with a comprehensive policy that includes general liability insurance, professional liability, insurance, product liability insurance, and rental premises liability insurance. 

How much does Career Shield liability insurance cost for massage therapists?

Career Shield Insurance offers some of the most competitive, affordable rates on the market. When you choose to partner with us for liability insurance, you can receive a one-year introductory rate of $159 for 12 months of coverage. Looking for a better bargain? Sign up for our two-year policy for $279.95 (that’s just $140 annually!). 

What does Career Shield liability insurance cover?

With Career Shield’s massage insurance policy, you will receive $3 million of liability coverage annually, up to $2 million in coverage for each claim or per occurrence. Overall, you will be given an individual $3 million annual aggregate, which is the liability coverage for all of the incidents that happen during a single policy year. This policy also provides $100,000 in rental damage coverage, $1,000 in damaged or stolen equipment coverage, an identity protection plan, free professional website and exclusive member discounts. Career Shield Insurance also offers $2 million in product coverage that covers a client’s medical costs if he or she has an adverse reaction to a product such as an oil.

What is a Career Shield Insurance policy used for?

With Career Shield Insurance, you get coverage for areas of increased liability for massage therapists like general and professional liability. Both of these crucial coverages come with high limits of $2 million for each occurrence and a $3 million individual annual aggregate. An all too familiar example of a general liability event could be your client tripping over your welcome mat and injuring themselves right there on your doorstep. You didn’t do anything, but you may be held liable for their hospital bills, rehab sessions, missed work, etc. Professional liability is related to the actual massage services you provide. When a client says that your services left them with an injury, they may hold you liable and demand repayment of some kind.

When Will My Career Shield Liability Insurance Coverage Take Effect?

Immediately upon purchase. That’s the beauty of our policy—once you check out, you’re covered under our policy umbrella. Ready to apply for your coverage? Give us a call at 800-22201110 or access our online application on our site. All of this takes place in just a few minutes—you’re so close to comprehensive coverage that grants you peace of mind!

What type of insurance does a massage therapist need?

We believe that massage therapists like you deserve all-inclusive, comprehensive coverage that ensures they’re protected no matter what happens. To us, this means covering all the important insurance bases—general liability, professional liability, product liability, and rental premise liability. Ultimately, massage therapist insurance should be an effective safety net that safeguards them from allegations, claims, and lawsuits no matter what might happen. 

What does “additional insured” mean?

An additional insured simply means an additional name that you’ll add to your insurance policy. This might be necessary for some situations where you provide your massage therapy services, like a franchise. This third-party (the additional name) you add to your policy will have a legal claim to the benefits paid under the general liability situations to help cover potential loss. 

What does adding an additional insured do?

When you add an additional insured to a policy, that entity is released of liability stemming from malpractice or negligence (professional liability) and provides excess coverage for slip-and-fall scenarios (general liability). Excess coverage becomes available when the limits of any other existing policies have been exhausted.

Does Career Shield Insurance offer continuing education for massage therapists?

While we know massage liability insurance matters, it is advisable to get your liability insurance as soon as you start out in massage therapy school and begin to practice on clients. To avoid adding onto education costs, Career Shield Insurance offers massage student liability coverage available under the main massage programs at a reduced rate. It is also important to review your liability coverage when you begin your career as a massage therapist and start practicing professionally to ensure you are still well protected.

How should I compare massage liability insurance?

We advise that you look over a variety of key points when choosing the right liability insurance. First, ensure that your policy includes professional and general liability limits—both annual and per-incident. We suggest you consider rental damage coverage, damaged or stolen equipment coverage, identity theft coverage, and more. Next, start comparing prices—determine whether or not any hidden fees might exist in the fine print. Check for continuing education costs (or lack thereof). How can you find this information? Take a look at an insurance provider’s website—this will give you a chance to compare the benefits and costs of each program. You can also reach out to our licensed representatives at Career Shield Insurance anytime—our team will be happy to walk you through your options and compare plans with you.

How long does it take to join Career Shield Insurance and get proof of insurance?

Instantly- we’re serious. One of the coolest aspects of the massage therapy insurance we’re proud to offer is just how quickly you can receive your coverage and your proof of insurance. With us, you’ll never need to deal with waiting around for your coverage to being. All you need to do is fill out a quick application, select the best pricing option for you, check out, and BINGO—you’ll have your coverage and certification as fast as your internet can process your order.

Do you have massage insurance that covers massage therapy students?

Absolutely! Enjoy our comprehensive, all-inclusive coverage policies at a fraction of the cost when you sign up as a student with Career Shield Insurance. This student coverage offers liability coverage for the work you do as a part of your curriculum. Once you graduate, you are covered as a professional and are covered anywhere that your license or certification allows. The coverage also offers Occurrence Form coverage, which is one of the most popular forms in the industry. To qualify for student coverage, you must be enrolled as a student on the start date of your policy. It’s also important to note that the student coverage only covers the discipline you are enrolled in at the start of the coverage.

How can I get started with massage insurance at Career Shield Insurance

We make it fast, seamless, and so simple to start your coverage today with Career Shield Insurance. Apply by phone by calling our licensed representatives at (800)-222-1110 or fill out our online application. Within a matter of minutes, receive your proof of insurance and rest assured knowing you’re part of our team!

Every Insurance Policy Sold = 1 Tree Planted

“The best time to plant a tree is 20 years ago. The second best time is now.”—Chinese Proverb.

Every time someone joins our team at Career Shield Insurance, we plant a tree in their honor. Thanks to our stellar community of members and our friends at Trees for the Future, thousands of trees have been planted so far. 

Just as we believe in protecting your career and helping you grow, we believe in protecting our planet and helping it grow, too—help us continue this journey by referring your colleagues and friends to our program today!