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Professional Program Insurance Brokerage®
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Professional Program Insurance Brokerage®
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Massage Insurance

Professional Program Insurance Brokerage (PPIB) offers: Massage Insurance.

As a program administrator focused on niche wellness and personal care markets, Professional Program Insurance Brokerage (PPIB) provides Massage Insurance solutions agents can rely on to place individual technicians, single-location clinics, multi-location facilities, and national franchise operations. With decades of experience underwriting bodywork and spa exposures, PPIB tailors coverage to the duties and risks your clients face so you can deliver appropriate protection and responsive service.

Ideal Accounts and Appetite

This program is designed for a broad range of wellness practitioners and businesses, including:
  • Independent massage therapists and mobile practitioners
  • Massage and bodywork clinics
  • Day spas, medical spas, and full-service wellness centers
  • Franchise chains and multi-location operators

Common covered services (not limited to):
  • Massage and therapeutic bodywork
  • Hot stone therapy
  • Hydro massage
  • Reiki and energy work
  • Endermologie
  • Facials and chemical peels
  • Body wraps
  • Waxing and hair removal
  • Foot detox or reflexology
  • Saunas and steam rooms

You might have a client who runs a boutique spa offering massage, facials and waxing, or an independent therapist who provides mobile house-calls—both are examples of accounts that typically fit this program.

Coverage Highlights and Advantages

PPIB’s Massage Insurance program offers flexible coverage options designed to address the exposures common to bodywork and wellness professionals. Available coverages may include:
  • General Liability to cover third-party bodily injury and property damage
  • Professional Liability for alleged errors in treatment or inadequate service
  • Products Liability for retail or treatment products used or sold on premises
  • Sexual Abuse & Molestation coverage available by underwriting approval

Policies can be issued for single practitioners or full businesses, including multi-location and franchise structures. The program is structured to help protect insureds from claims arising from bodily injury, professional negligence, and product-related incidents common in spa and bodywork operations.

Underwriting Notes

This is a non-admitted program, which gives PPIB flexibility to underwrite a wider array of services and business models. Appetite and eligibility are determined case-by-case; submission requirements vary with the size of the operation, services offered, and loss history. Typical information requested includes business description, services list, payroll or gross receipts, and any claims history. PPIB underwriters work directly with agents to structure terms appropriate to the risk.

States and Availability

The Massage Insurance program is available in most states. PPIB currently offers this program in the following states:

AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC

Why Work With PPIB?

PPIB combines focused underwriting expertise with responsive service to help you place and retain wellness accounts. Key strengths include:
  • Industry knowledge of personal care and wellness exposures
  • Flexible, non-admitted capacity for specialized or higher-exposure risks
  • Fast and responsive underwriting and quote turnaround
  • Program structures that support single practitioners through multi-location franchises

If you need assistance placing an account or want to discuss appetite for a specific risk, contact Professional Program Insurance Brokerage to connect with their underwriting team and market specialists.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program fits massage therapists, bodywork clinics, spas, medical-spa operators, and franchise groups offering services such as massage, facials, waxing, and hydrotherapy.

Can individual massage therapists get coverage, or is it just for businesses?

Yes. Coverage is available for individual practitioners and for businesses, including multi-location operations and franchises—terms depend on services offered and exposure levels.

Is Sexual Abuse and Molestation coverage included?

Sexual Abuse & Molestation coverage can be offered subject to underwriting approval and depends on the risk profile and state availability.

Is this program admitted in any states?

No. This is a non-admitted program, which allows greater flexibility in coverage and pricing for specialized wellness risks.

What states is the program available in?

The program is available in most U.S. states, including major markets such as CA, FL, TX, NY, IL, and WA. Refer to the program’s state list above for full availability.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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Professional Program Insurance Brokerage® has other insurance programs like Allied Health Insurance.