Insurance for Massage
Therapists

Business Insurance

Business Insurance is a convenient way to cover a range of common business risks that your massage therapy practice may face. You can customise your Business Insurance package to include coverage that fits the unique needs of a massage therapist.

Massage therapists often consider creating a Business Insurance package that includes:

Portable Equipment Insurance*

Mobile massage therapists carry everything they need to help their clients relax. A broken massage table or chair would be a major setback to your business. But a lost or stolen Bluetooth speaker or mobile phone could also make it hard to help clients unwind or accept payments. Insurance covering your tools of the trade could help you replace or repair items that are essential to your massage business.

Portable Equipment insurance covers loss and damage to your tools and equipment due to theft, fire and other hazards listed in the wording anywhere in New Zealand. Rather than paying for repairs or replacing expensive equipment from your own accounts, your Portable Equipment policy will pay these costs for you.

Property (Contents)*

If you run a small massage therapy practice or day spa, you may want to protect the gear and supplies you keep on hand. A fire, flood or another unexpected event could lead to costly repairs or replacements. The last thing you need is damaged retail stock or broken equipment draining your accounts.

Property (Contents) insurance covers loss of or damage to items such as business equipment, stock, plant and machinery, records, fixtures and fittings and furniture belonging to you at the insured location.

Business Interruption*

Being forced to pause your business for days, weeks, or even months is stressful. The bills don’t stop just because fire, flood or property damage mean you need to temporarily close shop. You may want protection to help keep things going until you can get back to business as usual.

Business Interruption insurance covers loss of income due to an interruption to your business following an insurable event. It is also designed to help your business to recover by paying ongoing expenses, such as wages or rent for temporary premises.

Cyber Liability

You may not think that a massage therapist needs to worry about hackers. However, your small business might keep info on file that cybercriminals want, like client details and credit card numbers. And even if they don’t want to steal data, they could come after your hard-earned money by holding your systems ransom or hitting you with a false billing scam.

Cyber Liability insurance covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach. This includes expenses related to data recovery, forensic investigation, and crisis management, along with fines and penalties imposed on your business.