Specialist sports massage therapist insurance through Insure4Sport
Working with clients who suffer from different aches and pains requires care, precision and attention to detail. However, even with the most meticulous methods, working as a sports massage therapist is not without risk, which is why you may want to consider getting specialist sports massage insurance.
Please note: To be eligible for sports massage insurance, you must have the relevant accreditation from an appropriate governing body, such as the VCTC or iTEC.
Why choose Insure4Sport for sports massage insurance?
Whether you're a newly qualified sports massage therapist or have years of experience helping clients recover and perform at their best, Insure4Sport arranges specialist sports massage therapist insurance to help protect you and your business. From treating clients in gyms and clinics to providing mobile sports massage services, you can choose cover that suits the way you work.
With nearly three decades of experience arranging sports insurance, and an 'Excellent' Trustpilot rating, you can arrange your sports massage insurance with confidence. Highlights include:
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Up to £10m Public Liability Cover
Protection against claims if a client is injured or someone else's property is damaged during your sports massage sessions.
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Protection for your income
Optional Loss of Earnings cover of up to £750 per week if an insured accident leaves you unable to work.
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated 'Excellent' on Trustpilot
Rated Excellent on Trustpilot and insurance provided by Aviva.
What does sports massage insurance cover?
Sports massage insurance
- Professional indemnity – up to £5m
- Public liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Employers’ liability
- Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of sports massage therapy
- Theft, loss and damage to sports massage therapy equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Worldwide Cover
- Any claims not arising from your participation in sports massage therapy
- Damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of sports massage therapy)
- Loss or theft of any sports massage equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for sports massage equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information, visit our Important Documents Page.
Meet our sports massage insurance expert
"To help minimise the risk of injuring a client, always work in a clean, safe environment and use only the physical techniques you are fully qualified to perform.
"If you carry out treatments without the appropriate qualifications, you may find that your insurance is invalidated if you need to make a claim."
Sean Carney
Chief Underwriting Officer
How insurance can help to financially protect sports massage therapists?
If you’re treating someone who already has an injury, the last thing you want is to make it worse. However, for all the training and expertise required to be a sports massage therapist, there may be the odd occasion where something goes wrong due to factors beyond your control.
For example, if a client ends up injuring themselves during one of your massage sessions and they blame you for their injuries, you may find yourself on the end of a costly compensation claim, which is why you may want to consider getting public liability insurance.
Public liability insurance protects your legal liability if a claim is made against you for injury to another person or property damage. Sports massage insurance through Insure4Sport also includes up to £1 million of professional indemnity cover (or up to £5m if you take out £10m of public liability cover), which can protect you from any claims made following advice you give to a client regarding their injuries.
How much does sports massage insurance cost?
The cost of a sports massage insurance policy through Insure4Sport will vary depending on the level of cover you choose. The quickest way to find out how much your sports massage insurance premium could cost is by getting a quick online quote today.
Who is sports massage insurance for?
Sports massage therapists work in a variety of settings, from gyms and treatment rooms to clients' homes and sporting events. Insure4Sport arranges specialist insurance for suitably qualified therapists, with cover options to suit different ways of working.
Depending on your qualifications, activities and policy terms, this includes:
- Self-employed sports massage therapists – treating clients as part of your own business.
- Mobile sports massage therapists – travelling to clients' homes or other treatment locations.
- Gym and clinic-based therapists – providing sports massage treatments in gyms, studios or treatment rooms.
- Sports team massage therapists – supporting athletes and sports teams during training or events.
Qualifications and treatments covered by Insure4Sport
To be eligible for sports massage insurance through Insure4Sport, you'll need relevant accreditation from an appropriate awarding or professional body. You'll also need to make sure any treatments you carry out are within the scope of your qualifications.
What types of sports massage are covered?
Sports massage insurance by Insure4Sport is designed specifically for sports massage therapists who perform therapies that are used to treat or support specific sports-related injuries, strains or to help support with general sports performance. These can include:
- Pre and post-event sport massage
- Rehabilitation sports massage
- Maintenance sports massage
However, other types of massage, including holistic massage services, aren't covered under this policy.
FREE multi-sports cover
Do you take part in more than one sport? You could benefit from FREE multi-sports cover.
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You are not legally required to have insurance as a sports massage therapist. However, you may want to consider insurance to help protect you and your business should the worst happen.
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As a sports massage therapist, you may often work with clients with a prior, existing, or recurring injury. Therefore, insurance can help provide financial protection and peace of mind should a client make a claim against you for worsening any existing injuries.
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Yes, sports massage insurance can help protect you if a client claims that your treatment has made an existing injury worse. For example, if a client experiences further pain or injury following a sports massage session and makes a claim against you, your Public Liability insurance may help cover eligible compensation and legal costs.
You'll need to hold the appropriate qualifications for the treatments you provide, and all claims are subject to your policy's terms and conditions.
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Even if the gym or clinic where you work has its own Public Liability insurance, this doesn't necessarily mean you're personally covered.
If you're self-employed, the venue's policy may not protect you against claims arising from your own sports massage treatments. Some gyms and clinics may also require you to have your own insurance before you can work there.
It's worth checking with the venue to understand what their policy covers and whether you need separate sports massage insurance to protect yourself and your business.
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Yes, if you're a personal trainer who also provides sports massage treatments, you can add sports massage to your Insure4Sport policy through our FREE Multi-Sports Cover, at no extra cost.
You'll need to hold the appropriate qualifications and make sure sports massage is included as one of the activities covered by your policy.
Other types of massage, including holistic massage services, aren't covered.
Find out more about multi-sports cover.
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Sports massage insurance is designed for qualified therapists providing sports massage treatments, helping protect against risks such as clients being injured during a session or claims arising from professional advice.
Massage therapist insurance is a broader term that can refer to insurance for different types of massage, including relaxation, holistic or other specialist treatments.
Insure4Sport provides cover for sports massage activities, but not other types of massage or holistic massage services. It's important to check that your insurance covers the specific treatments you offer.
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Insure4Sport arranges Public Liability and Professional Indemnity cover for sports massage activities, but you should check that your policy covers your work at the particular event before attending.
If you're working abroad, optional Worldwide Cover is also available, subject to policy conditions.
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Yes, Insure4Sport arranges equipment insurance to help protect eligible sports massage equipment against theft, loss and accidental damage.
Your policy includes £250 of equipment cover, with the option to increase your protection. A single-item limit of £2,500 applies, and you'll need to provide proof of ownership if you make a claim.
Cover is subject to certain conditions, including restrictions on equipment left unattended. If you're unsure whether your massage table or other specialist equipment is covered, check with our team before taking out your policy.
Did you know we can cover the gym or studio where you practice sports massage therapy?
Find out more about how you can insure your gym or studio where you practice sports massage therapy including business and contents insurance.
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