Massage therapy insurance for mobile, freelance or studio based therapists
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Massage therapy insurance
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Why choose Ripe for massage therapy insurance?
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Choose cover for how you work
Whether you work from home, rent a space or visit clients, you can choose from different cover options to support the way you work.
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Protection wherever you treat clients
Public Liability cover helps protect you if there is an injury or damage claim, wherever your work takes you.
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Support if a client questions your treatment
Professional indemnity cover helps protect you and your reputation if a client claims your treatment or advice caused harm.
How massage insurance can be beneficial for your business
Massage therapy is built on trust, care and close contact with clients. Your space, equipment and treatments all play a role in the experience you offer. Accidents, claims or damage to equipment can disrupt your work and your income.
Massage insurance by Ripe is designed to support massage therapists in their day to day work, helping you feel more comfortable that your business is backed up if something goes wrong.
What does massage insurance cover?
Massage therapy insurance can cover essential protections such as public and products liability and treatment risk, with optional extras to tailor your cover for your business and equipment.
Public & Products Liability – up to £10m.
Treatment risk cover – protection for third-party injury or property damage following hair treatments, up to £3m.
Contents, stock & shop front – cover for contents and hair salon stock up to £250k
Employers’ liability – up to £10m for employee illness or injury
Buildings cover – up to £500k for your beauty salon building, outbuildings, walls, gates and fences
Teaching cover – compensation for negligent acts while providing paid teaching services
Money cover – theft of business money up to £2.5k
Business interruption – loss of turnover or increased running costs up to £500k
Legal cover – up to £100k for a range of legal matters
Working abroad – claims brought from outside the UK
Injectable treatments – plus other excluded treatments
Injury to the public whilst teaching - Teaching cover does not include this, students must have their own insurance to protect their liability.
Theft from unattended or unlocked vehicles – unless in a locked boot or a covered luggage area
Exclusions to buildings, shop front, and contents cover - Excludes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the building has not been occupied for 30 consecutive days.
Money cover exclusions – employee theft not reported within 7 days; theft from a locked, unattended vehicle
Insurance for self-employed, freelance and spa-based therapists?
If you are employed or self-employed in a spa, salon, or clinic, you may still need your own massage therapist insurance to cover your individual treatments and professional responsibilities.
If you work on a mobile basis, travelling to clients’ homes or workplaces, massage therapy insurance can also take into account the additional exposures that come with working in different locations. Transporting portable equipment, setting up in unfamiliar surroundings and working outside of a fixed premises can all present unique considerations.
For freelance therapists renting a room, sharing space within a salon, or working independently, massage insurance can provide protection that follows you. This allows your cover to align with the flexible nature of freelance work, rather than being limited to one location.
Do you employ other therapists or staff?
If you employ anyone as part of your massage therapy business, whether that’s another therapist, an apprentice, or administrative support, you may be legally required to have employers’ liability insurance in place. Under UK law, most businesses that employ staff must hold this cover to help protect against claims if an employee suffers an injury or illness as a result of their work.
Even if you only employ someone on a part-time, temporary or casual basis, the requirement can still apply. Employers’ liability insurance is designed to help cover legal costs and compensation claims arising from workplace incidents involving employees.
Massage therapy insurance FAQs
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If you are training or teaching massage therapy for a fee, then you would be covered if you select teaching cover when purchasing insurance. However, you must remember to select this as part of your cover when you take out a policy, otherwise you will not be covered.
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The price of massage insurance can depend on a range of factors, including your individual circumstances and which optional extras you include in your cover.
The quickest way to find out how much your insurance could cost is to get an online quote.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: January 2026
Content reviewed by: Mel Savage