There are several types of insurance policy coverage that massage therapists need, particularly general liability, professional liability and product liability insurance.

General liability insurance will help to protect you if a third party claims injuries. For example, if a client gets hurt after tripping on a loose step in your place of work, this person could sue you for negligence, with general liability insurance providing coverage in this circumstance.

Professional liability insurance provides coverage in situations where there are potential injuries that are as a result of your services. A client may, for example, come to you seeking relief for a painful shoulder. Instead of getting better, your services may make the injury worse, prompting the client to file a lawsuit.

Product liability insurance provides coverage in the event that a client suffers some type of injury related to the use of a product, such as an allergic reaction to a massage oil or cream. This coverage offers an extra measure of coverage at no extra charge.