Remedial Massage Therapist Insurance
Protect your remedial massage practice with insurance designed for your unique risks.
Overview
As a massage therapist, remedial massage therapist, or myotherapist, your expertise supports clients dealing with everything from injury recovery to stress relief. However, even with careful treatment, there’s a possibility that a client might allege their condition has worsened.
Without the right insurance, such claims can bring serious financial challenges. Securing proper protection lets you concentrate on your practice, knowing you’re covered if the unexpected happens.
Types of Coverage Available
Remedial massage therapist insurance combines Public Liability Insurance, Professional Indemnity Cover and Product Liability to protect your business from potential claims and financial risks.
Why do Remedial Massage Therapists Need Insurance?
Even the most skilled remedial massage therapists face risks. A client might experience an adverse reaction or believe a treatment caused harm. These situations can lead to expensive legal fees and financial stress without insurance.
Having insurance means you’re protected against claims, covered for legal costs, and can carry out your work confidently. It also ensures you meet industry regulations, giving you and your clients peace of mind every step of the way.
Who Needs Massage Therapist Insurance?
Natural Therapies Insurance provides Remedial Massage Therapist Insurance for various fitness professionals in Australia, including:
- Sole traders
- Small clinics or practices
- Freelance therapists
- Mobile massage therapists
If you offer massage therapy in any form, having natural therapy insurance is crucial to protect your career and reputation
Common Claims and Scenarios
- Client injury during a session
- Allergic reactions to massage products
- Damage to property
- Equipment theft or damage
Why choose us?
We are a trusted, reliable, and professional insurance broker dedicated to providing insurance solutions for natural therapy practitioners
Dedicated in-house claims support
Instant Certificates of Currency
Local team of insurance specialists
Over 35 years of industry experience
Frequently Asked Questions
Coverage for emotional or psychological harm varies between policies. Some include it as standard, while others require additional protection.
It’s important to check your policy or consult your insurer to confirm the extent of this coverage.
Yes, most policies cover injuries caused by using massage equipment during treatments. This includes items like massage tables and hot stones, protecting you from claims arising from equipment-related incidents.
Many insurance policies cover mobile or off-site treatments, including home visits or work in different locations. When arranging your policy, specify this to ensure you’re fully protected wherever you practise.
Some insurers allow multiple therapists to be covered under one policy, ideal for clinics or group practices. Confirm with your provider about the availability and any additional costs involved.
Additional therapies such as cupping or dry needling may require extra coverage or policy endorsements. It’s essential to disclose all services you provide to ensure your policy offers appropriate protection.
We are here to help
For more information on how Natural Therapies Insurance can protect your practice, our friendly team of brokers is ready to help. Whether you have questions about a policy, need assistance with a claim, or want advice on managing risks, we’re here to support you.
Optional Coverage
When written on an occurrence basis, the policy that responds to a claim will be the policy you had in place at the time of the incident. So if you claim now for an incident/client you provided a therapy to in 2023, the policy from 2023 is the one that would respond if it is written on an occurrence basis.
When written on a claims-made basis, the policy that responds to a claim will be the policy you currently have in place at the time you make the claim. So if you claim now for an incident/client you provided a therapy to in 2023, the policy you have now (in 2025) will be the one that responds if it is written on a claims-made basis.
The Medicines Wording for Natural Therapies is written entirely on an occurrence basis, even the Professional Indemnity.
In normal cases, Professional Indemnity is usually written on a claims-made basis which includes a Retroactive Date.
If you currently have a policy on a claims-made basis, the Retroactive Cover will extend our policy to respond to claims from previous years so that there is no gap in cover when you move to our Natural Therapies product. It adds a retroactive date which allows our policy to cover claims from incidents/clients you provided therapies to even before you had insurance through us, as early as the retroactive date specified.
Even with the Retrospective Cover extension, you may still be required to provide proof that you had insurance at the time of the incident if the incident happened before you had insurance with us.
This cover is subject to all other terms and conditions from your policy schedule and the wording
In addition to the Defence Costs and Expenses outlined under Sections 1, 2 and 3 on the Medicines wording, the Legal Expenses Section extends this for additional insured events such as certain:
- Employment;
- Employers prosecution defence;
- Contract disputes;
- Property dispute;
- Competition & Consumer Act 2010 dispute;
- Right to practice; and
- Attendance for jury service;
For an aggregate sublimit of $25,000.
This cover is subject to all other terms and conditions from your policy schedule and the wording. It is important to review this section in the policy wording as there are further conditions and exclusions to the above.
Intended to cover portable items/property up to $75,000 total and up to $1,000 per unspecified item. Items over $1,000 can be specified and reviewed on a case-by-case basis. Any electronics (phones, tablets, laptops, etc.) need to be specified in order to be included.
We will pay, acting reasonably having regard to the relevant circumstances, the cost of repair, replacement or reinstatement of the Insured Property to a condition substantially the same as but not better or more extensive than its condition when new.
This cover is subject to all other terms and conditions from your policy schedule and the wording. It is important to review this section in the policy wording as
there are further conditions and exclusions to the above.
Fully occurrence-based wording (Medicines wording) means no runoff cover is required for this product. So if the insured ceases trading, they will not need to continue renewing this product.
Over 1,500 modalities.
Competitive rates for sole traders turning over less than $250,000. Also available for companies with employees, no turnover cap per se but we will review case-by-
case for $250k and higher.
Special agreed rates for many partnered associations.
Insurance available for training bodies, schools and colleges. Students can also be included under this cover if they are a recognised training body.
Insurance available for students still studying their modalities, special rates.
Binder with Lloyds of London as security means we are open to consider many new and/or complex modalities for the right premium, subject to appropriate levels of experience and qualifications.
Available to Australian and New Zealand clients (note NZ clients cannot be written on SSP, has to be quoted manually, so unsure if you want to include this one).
Automatic cover for market stalls up to $10,000 turnover, though terms, conditions and exclusions apply. Product sales need to be approved.
Product sales can be agreed upon under the policy.