Massage Therapy Clinic Insurance in Ontario
RMTs carry their own professional liability. A massage clinic needs coverage for the business around them. We connect Ontario massage and wellness clinic owners with licensed brokers who build simple, affordable clinic programs.
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Service & Support:
- Follow-up from a licensed broker within 24 hours
- Policy Review and Comparison
- Risk Assessment
- Help with certificates of insurance, policy changes and contract reviews
- Renewal planning well before your policy expires
Quick answer
What insurance does a massage therapy clinic need in Ontario?
Registered massage therapists in Ontario must carry professional liability of at least $2 million per occurrence and $5 million aggregate, with a deductible of no more than $5,000 and 10 years of tail coverage, under CMTO by-laws. The clinic also needs general liability, property, business interruption and cyber coverage, plus entity coverage for claims that name the business.
RMT coverage and clinic coverage
The College of Massage Therapists of Ontario requires registered massage therapists to carry professional liability of at least $2,000,000 per occurrence and $5,000,000 aggregate per year, with a deductible of no more than $5,000, and to maintain coverage for at least 10 years after they stop practising.
Clinics are often run by an owner RMT with several contractor therapists. The clinic still needs its own general liability, property and entity coverage, and a process for confirming every therapist's insurance each year.
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We are not an insurer or a broker. We find you the right one.
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We connect you with a broker who works with businesses like yours, not a generic call centre.
Licensed Ontario brokers
Insurance brokers in Ontario are licensed by the Registered Insurance Brokers of Ontario (RIBO).
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Once we receive your information, a professional in our network will connect with you within 24 hours.
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Our referral service is free for businesses. You deal directly with the broker for quotes and coverage.
What coverage does a massage clinic need?
These are the coverages most massage clinic programs include.
Entity professional and general liability
Covers the clinic for treatment claims that name the business and for premises injuries such as a client slipping on a wet floor. Abuse and molestation coverage is an important and sometimes limited area to review.
- Claims naming the clinic
- Premises injuries
- Review abuse and molestation limits
Property, equipment and business interruption
Your leasehold improvements, treatment equipment, furniture and inventory are the clinic's biggest physical assets. Property and equipment breakdown coverage protect them, and business interruption helps replace lost income if a fire, flood or equipment failure closes the clinic.
- Tables, linens and equipment
- Retail product inventory
- Leasehold improvements
Cyber and privacy liability
Ontario clinics that hold personal health information are health information custodians under PHIPA and must notify patients, and in many cases the Information and Privacy Commissioner, after a privacy breach. Cyber insurance helps pay for breach response, notification, system recovery and lost income after a ransomware attack.
- Ransomware and system recovery
- Breach notification and legal help
- See clinic cyber and privacy insurance
What does massage therapy clinic insurance cost in Ontario?
As a general guide, many single location Ontario massage therapy clinics see roughly $800 to $2,500 a year for the clinic's own package of general liability, property and business interruption. Practitioners' individual professional liability and cyber coverage are usually priced separately. These are estimates only. See our clinic insurance cost guide.
Raises the price
- Several treatment rooms
- Retail sales
- Past claims
- Spa services
Helps lower it
- Documented therapist insurance checks
- Clear consent and draping policies
- Clean claims history
- Alarm systems
Budget separately
- Practitioners' own professional liability
- Cyber and privacy coverage
- WSIB for eligible workers
Cover the clinic around your therapists
Tell us about your massage or wellness clinic and we will connect you with a licensed Ontario broker who builds affordable clinic coverage.
See our main medical clinic insurance guide.
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Massage Therapy Clinic Insurance FAQs
How much insurance does an RMT need in Ontario?
CMTO requires at least $2 million per occurrence and $5 million annual aggregate, a deductible of no more than $5,000 and at least 10 years of coverage after the RMT stops practising.
Does my clinic need insurance if all RMTs have their own?
Yes. The clinic needs general liability, property and entity coverage for claims that name the business and for premises injuries.
What is abuse and molestation coverage?
It covers allegations of abuse or misconduct, which are a real risk in hands on therapy. Many policies exclude it or cap it at a low limit, so review it carefully.
Do clinics need cyber insurance?
Most do. Clinics hold personal health information, rely on booking and billing systems, and are frequent ransomware targets. Under PHIPA, many breaches must be reported to patients and the Information and Privacy Commissioner, which costs time and money.
What happens after you request commercial insurance?
1Discovery Call
(30 to 45 min)Understand operations, contracts, assets, and loss history.
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We will request your
expiring policies and loss runs.
2Risk Mapping
(1 to 3 days)Document exposures, limits, sublimits, deductibles, and endorsements that fit your contracts.
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3Market Placement
(2 to 5 days)Approach the right markets
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and negotiate terms, exclusions, and deductibles.
4Proposal & Bind
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