3 Affordable Liability Insurance Plans for Licensed Massage Therapists

As a licensed massage therapist, carrying professional liability insurance is an important part of protecting your practice. Whether you work in a spa, clinic, shared office, or private practice, such as The Heeling Hut Barefoot Massage, the right policy can help protect you if a client alleges injury, negligence, or property damage.

Many professional massage CE companies, such as the Center for Barefoot Massage, also require LMTs who want to learn Ashiatsu Barefoot Massage to carry liability insurance. 
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Here are three popular, affordable options for massage therapists:
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1. Beauty & Bodywork Insurance (BBI) Best for: Budget-conscious therapists who want straightforward coverage
Beauty & Bodywork Insurance offers one of the lowest-cost professional liability insurance options available for massage therapists. Their policies are designed specifically for beauty and bodywork professionals and include options for additional coverage needs.
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Highlights:

• Affordable annual pricing (reported starting around $96/year)
• Professional liability coverage
• Options to add protection for tools and equipment
• Designed for independent practitioners

Good fit for: New massage therapists, part-time practitioners, and therapists looking for basic professional protection.

2. Associated Bodywork & Massage Professionals (ABMP), Hillary's choice.
Best for: Therapists who want insurance plus professional resources
ABMP combines professional liability insurance with membership benefits designed specifically for massage and bodywork professionals. Their coverage includes professional, general, and product liability insurance, with limits commonly listed at $2 million per occurrence and $6 million aggregate.
Highlights:

• Professional liability insurance included with membership
• Continuing education resources
• Business tools and member discounts
• Coverage designed specifically for massage and bodywork professionals

Good fit for: Therapists who want insurance plus access to CE resources, professional support, and industry education. Does this sound like you? 
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3. American Massage Therapy Association (AMTA) Best for: Therapists who want association membership and insurance benefits
AMTA membership includes access to professional liability insurance, as well as additional member benefits such as continuing education resources, career support, and professional advocacy.
Highlights:

• Professional liability, general liability, products, and personal injury coverage
• Coverage commonly listed at $2 million per occurrence/$6 million aggregate
• Additional professional resources through membership

Good fit for: Therapists who value professional association membership along with insurance protection.

What Massage Therapists Should Look For Before Choosing Insurance. The cheapest policy is not always the best policy. Before purchasing coverage, check:
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✔ Does it cover everything in your scope of practice as an LMT?
✔ Are cupping, hot stones, or specialized modalities covered?
✔ Does it include professional and general liability?
✔ Is coverage occurrence-based or claims-made?
✔ Does it provide proof of insurance for employers, landlords, or professional requirements?

For specialized practitioners, such as barefoot massage therapists, it is especially important to verify that your full scope of practice is included in your policy. Texas LMT's can find that on the TDLR website at ​https://www.tdlr.texas.gov/mas/

Read more:
Learn Ashiatsu Barefoot Massage in Texas
How to Prepare for Your First Barefoot Massage Class in Texas