If there’s one thing I’ve learned in my 30 years as a massage therapist, it’s the value of protecting what you’ve worked so hard to build. When it comes to insurance, the options can feel overwhelming. Today, I want to share my thoughts on InsureBodywork, also known as Beauty and Bodywork Insurance. Please note, this is not an endorsement, but rather an exploration of what this company offers so that you can decide what works for you. There’s a link to a massage insurance comparison guide at the end of this article.
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What Is Beauty and Bodywork Insurance?
InsureBodywork, under the Beauty and Bodywork Insurance brand, provides liability insurance tailored to massage therapists, estheticians, and other wellness professionals. Their mission is straightforward: affordable, comprehensive coverage without unnecessary extras. With plans starting at $96 annually, they’ve positioned themselves as a budget-friendly option.
What Makes InsureBodywork Stand Out?
1. Budget-Friendly Coverage
I get that your yearly budget is carefully planned, with insurance as a necessary expense. InsureBodywork offers coverage at a price point that’s competitive. With general liability, professional liability, and even product liability included in the base price, it’s considered a robust package for a small investment.
2. Flexible Multi-Modality Coverage
I often hear from therapists who, like me, have expanded their services to include techniques like aromatherapy, reflexology, or cupping. InsureBodywork allows you to practice multiple modalities under one policy, providing the flexibility you need to meet diverse client needs.
3. Occurrence-Based Policies
This is one of the most significant recent improvements to their offering. As of July 1, 2024, all new policies are occurrence-based, which means that you’re protected for incidents that happen while your policy is active—even if the claim is filed after your policy expires. (If you already have a policy with Beauty and Bodywork Insurance, if you purchased or renewed before July 1, 2024, those are claims-made policies but will transition to occurrence-based after July 1, 2025.)
This change positions InsureBodywork to better compete with providers like InsureLMT, which also offers occurrence-based policies. It’s a critical advantage, especially for therapists who want long-term peace of mind without worrying about purchasing expensive tail coverage (something you want to have if you had a claims-made policy).
4. Higher Liability Limits in Key Areas
InsureBodywork provides a higher limit for Damage to Premises Rented to You, offering $300,000 compared to InsureLMT’s lower or unspecified limits. They also include Medical Expense Coverage of $5,000 per person, which is not standard in many policies. These added protections can be particularly beneficial if you rent your workspace or want extra medical expense coverage.
5. Flexible Payment Options
There was a time in my massage career where I didn’t want to add more to a credit card that I couldn’t pay off right away. So, I would prefer monthly payments over a lump sum for the year payment. InsureBodywork offers a monthly payment option starting at $9.99 per month. This flexibility can help therapists better manage their budgets while still accessing comprehensive coverage.
6. CEU Discounts
InsureBodywork provides discounts on continuing education courses, helping you meet licensing requirements while saving a little extra cash.
How Does It Compare?
To provide context, here’s how InsureBodywork stacks up against some competitors:
- AMTA (American Massage Therapy Association): AMTA is renowned for its resources and customer service but comes at a significantly higher cost. It’s an excellent choice if you want robust support and resources beyond basic liability insurance.
- InsureLMT: InsureLMT offers occurrence-based coverage at a slightly lower annual rate of $94 compared to InsureBodywork’s $96. Both provide similar liability limits, but InsureBodywork offers higher coverage in areas like Damage to Premises Rented to You ($300,000) and Medical Expense Coverage ($5,000). Additionally, as I mentioned above, InsureBodywork offers flexible monthly payment plans, which may be appealing to some therapists.
- Alternative Balance: Community-focused but more expensive, Alternative Balance provides tools and networking opportunities that InsureBodywork lacks.
For a detailed breakdown, check out my comprehensive guide to the best massage insurance (and cheapest) providers.
Final Thoughts
Beauty and Bodywork Insurance is an appealing option for budget-conscious therapists seeking straightforward, flexible, and reliable coverage. Their recent shift to occurrence-based policies adds long-term value, making them an even stronger contender in the marketplace. While their customer service may not match the breadth of larger organizations, they offer accessible support and an impressive array of features for the price.
As always, weigh your options carefully. Insurance isn’t one-size-fits-all. It’s about finding the policy that fits your unique practice needs.
Click here for a complete comparison of massage insurance providers.
