Massage insurance
Join over 900k UK customers (including 1,300 UK massage therapists like you) – we offer public liability cover from £4.74*
Get tailored quotes in 7 minutes
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
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
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.
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Public liability insurance for massage therapists
In case your massage therapy business causes an injury or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for your massage business.
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Legal expenses insurance
In case you’re faced with legal costs from running your business.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
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 £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example massage insurance quotes, real prices
£7.47 /month
£54.66 /year
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 /year
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 cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No 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
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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.
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Is public liability enough for third party property damage?
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Which type of workers do I need insurance for?
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Does massage insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
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
Call our team
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.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
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
Insurance payout
Covering the cost of accidental injury
Covering the cost of accidental injury
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
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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