Massage Insurance in California
Coverage Built for Massage Businesses
Massage businesses across California face unique risks—from client injuries and professional liability claims to property damage and employee-related exposures. Whether you operate a solo massage practice, a multi-therapist studio, or a wellness center offering additional services, having the right massage insurance in California is essential to protect your business, reputation, and income.
Proper coverage allows you to focus on your clients while reducing the financial impact of unexpected incidents.
Insurance Solutions Designed Around Your Services
At ECHO Business Insurance Services, we specialize in business insurance for massage and wellness businesses. As an independent insurance agency, we compare multiple top-rated carriers to design coverage that reflects how your business actually operates—including the services you offer, your staffing structure, and your workspace.
We work with massage businesses across California to ensure coverage aligns with licensing requirements, lease obligations, and day-to-day operational risks.
Common Coverages for Massage Businesses
Depending on your operations, massage insurance may include:
- General Liability Insurance - Helps cover third-party bodily injury and property damage claims, including slip-and-fall incidents.
- Professional Liability Insurance (Errors & Omissions) - Provides protection related to the professional services you perform, including claims of negligence or improper treatment.
- Workers’ Compensation Insurance - Required in California for businesses with employees and critical for protecting both therapists and owners.
- Business Property Insurance - Helps protect furniture, equipment, supplies, and build-out improvements.
- Business Owner’s Policy (BOP) - A bundled option that may combine general liability and property coverage for eligible businesses.
- Cyber & Data Breach Coverage - Helps protect against data loss or payment system breaches involving client information.
- Commercial Auto Insurance - Covers vehicles used for business purposes, such as mobile massage services or supply transport.
Not every massage business needs every coverage. Our role is to help you identify what applies to your business—and what doesn’t.
Why Work With an Independent Insurance Agency?
Unlike captive agencies that represent only one insurer, we work on your behalf. That means we can:
- Compare multiple insurance carriers
- Identify coverage gaps before they become costly claims
- Adjust coverage as your business grows or changes
- Help meet lease, licensing, and regulatory requirements
Our goal is to make massage insurance straightforward, compliant, and aligned with your real-world operations.
Protect Your Business and Focus on Your Clients
The right massage insurance can help protect your livelihood and provide peace of mind as you care for your clients. With proper coverage in place, you can focus on delivering quality services while reducing the financial risk of unexpected events.
Whether you’re opening a new massage practice, hiring therapists, expanding services, or reviewing an existing policy, our team is here to help.
Contact us to speak with an experienced business insurance advisor about coverage built for massage businesses.