Massage Insurance from £3.19 per month (2024)

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 £3.19 per month

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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

Example massage insurance quotes, real prices

  • Public liability

    £1,000,000

  • Employers’ liability

    Not included

  • Contents & business equipment

    Not included

Massage Insurance from £3.19 per month (3)

Massage Insurance from £3.19 per month (4)

£22.07 /month

£196.16 /month

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.

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

Helpful articles for massage therapists

5 Mar 2019 • 4-minute readHow to become a massage therapist in the UK: a simple guide
24 Sep 2014 • 3-minute readHow to start a hair and beauty salon in the UK
28 Jun 2021 • 9-minute readGoing self-employed in the UK - a self-employment guide to get started
26 July 2021 • 4-minute readHow to increase footfall in your retail store or local shop

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Massage Insurance from £3.19 per month (2024)

FAQs

What is the insurance code for medical massage? ›

97124 Massage Therapy

Describes the work inherent in massage, which is a separate and distinct service from codes 98940-98943. CPT code 97124 describes work including effleurage, petrissage, and/or tapotement (stroking, compression, percussion) for every 15 minutes.

How often should you get a massage? ›

Therefore, it is recommended to be getting massaged at least every other week (if not every week!). Massage helps reduce the formation of scar tissue and improves the healing process, both which are very important to athletes as they rebuild their muscles throughout their training.

Does Medicare cover deep tissue massage? ›

Medicare doesn't cover massage therapy.

Do you tip for a medical massage? ›

Many massage therapists and bodyworkers view their work as health care practice, and tipping is not normal in most medical settings.

Is massage a qualified medical expense? ›

Massage therapy CAN be a qualified medical expense, if you meet all of the criteria below. The IRS ruling states: “Medical expenses are the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and the costs for treatments affecting any part or function of the body.

Can massage be billed as physical therapy? ›

3. Therapeutic Massage. It's always important to check your state practice act, but in most cases, physical therapists can bill CPT code 97124 (massage therapy) when they provide therapeutic massage.

Are monthly massages worth it? ›

Fights stress and improves mood

Massage has become synonymous with self-care and stress relief, and science proves exactly why. A study conducted by researchers at the University of Miami proves that patients who receive regular treatments reduced their levels of the stress hormone cortisol by 53%.

How many times can you get a massage in a month? ›

For general health and relaxation, we recommend one or two 60-minute massages per month. Regular sessions have excellent health benefits and prevent pain, stress, and muscle tension from building up in clients who are under light to moderate stress.

Is 3 massages a week too much? ›

The short answer would be as often as you like really. The long answer depends on many factors to include the type of massage you are having, your pain and physical needs and indeed your stress and emotional needs. A massage every week or every two weeks would be ideal but not realistic for every person.

Are deep tissue massages worth the money? ›

Studies indicate that deep tissue massage can effectively relieve chronic neck and lower back pain, and pain following a C-section. Individuals with myofascial pain syndrome, a condition resulting in pain in the muscles and fascia, may also benefit from deep tissue work.

Why doesn't Medicare cover massage therapy? ›

Medicare considers massage therapy an “alternative treatment,” so it's not deemed medically necessary. That's why Original Medicare (parts A and B) won't pay for massage therapy sessions. Some Medicare Advantage (Part C) plans, on the other hand, might cover massage therapy.

Does Medicare pay for lymphatic massage? ›

Medically necessary hands-on MLD is a covered Medicare service and is coded using CPT® 97140 for manual therapy.

Does full body massage include private parts? ›

It is important to note that there has been a controversial discussion on whether full body massage does involve touching of the genitals. The laid down code of conduct among practitioners prohibits them from touching the genitalia among both women and men, and breasts among women.

Is it rude to not tip for a massage? ›

"Whether you get a massage on a regular basis or view it as an occasional treat, it's important to know that tipping for your massage is considered proper etiquette," says Sharon Schweitzer, international etiquette expert and the founder of Protocol & Etiquette Worldwide.

How much do you tip for a 60 minute massage? ›

In general, the 20% rule applies to tipping your massage therapist. So, if you're wondering how much to tip for a $100 massage, you'd want to tip $20. If you're considering how much to tip for a 60-minute massage (that costs $100) – you'd still tip $20. However, generosity is generally very appreciated.

What is the CPT code for medical massage? ›

CPT 97124 should be used when a qualified healthcare professional performs any massage technique on the patient in a clinical setting. The qualified healthcare professional includes: Physical Therapist.

What is the difference between 97124 and 97140? ›

97124: Therapeutic procedure, one or more areas, each 15 minutes; massage, including effleurage, petrissage and/or tapotement (stroking, compression, percussion). 97140: Manual therapy techniques (e.g., mobilization/manipulation, manual lymphatic drainage, manual traction), one or more regions, each 15 minutes.

What is CPT code 97124 for massage therapy? ›

The definition for 97124 CPT code is a therapeutic procedure consisting of massage, effleurage, petrissage, and tapotement (stroking, percussion, or compression) to one or more body areas, every 15 minutes.

What is insurance code 97811? ›

97811 – Acupuncture, one or more needles, without electrical stimulation, each additional 15 minutes. With re-insertion.

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