Therapy Insurance
You can save up to 25% in discounts with instant coverage.*
Choose your primary coverage to get started:
We specialize in insurance for spa and therapy businesses
NEXT Insurance is a one-stop shop for therapy business insurance. We’ve put in the work to make it easy for you to quickly get the coverage you need at an affordable price.
You’ll save a healthy 10% when you bundle two or more of our policies.
Customized insurance for therapy businesses
Choose your profession for more information or get a customized quote for your business
Why do therapists need business insurance?
Business insurance offers you protection from a wide range of accidents and business risks, from a client suffering a reaction to a chemical in your spa to being accused of damaging property.
Having the right types of insurance for your therapy business means that you don’t have to pay entirely out of pocket after an accident or to defend your business.
Liability insurance for therapy businesses
Therapy liability insurance can help cover costs if someone accuses you of giving a painful treatment that prevents them from working or if you accidentally damage a client’s property.
We combine two types of liability insurance in our business insurance packages:
Professional liability provides financial protection if your client claims your services weren’t effective or you were negligent. Accurate or not, you could have to pay to defend your business if they take legal action. Professional liability coverage will help cover expenses to defend your business.
General liability is the insurance that many business owners buy to cover some of the most common accidents when you work with clients — property damage and injuries to non-employees.
How much does therapy business insurance cost?
You can save up to 25% in discounts when you buy therapy insurance with NEXT. The exact amount you pay will depend on:
- The types of spa and therapy services you offer
- The kind of spa or clinic you work in
- If you have any employees and the kinds of work they do
- The number and types of vehicles you drive for work
Other important business insurance coverage for therapists
Workers’ compensation protects your part-time assistants or full-time employees by helping to cover their lost wages while they recover from throwing out their back while moving a massage table. If you don’t have employees, workers’ comp provides an extra layer of protection for you as a business owner.
This coverage is required for businesses with employees in every state except Texas.
Commercial auto insurance is legally required in most states if you own a car or truck that’s titled to your business. If you drive your own vehicle to provide your services at different locations, it probably won’t be covered under your personal car insurance.
Customer reviews
Frequently asked questions about therapy insurance
What do I need to get an insurance quote online for my therapy business?
- The kind of therapy services you do
- The locations where you plan to work
- The type of vehicles you use for work
- The number of people you employ and how much you pay them
Can I add an additional insured to my therapist insurance?
How does the claims process work with NEXT Insurance?
If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account and require help from our support team, please visit our online help center.
