How much does Massage Therapist insurance cost in Phoenix, Arizona?

The estimated annual cost for a Massage Therapist in Phoenix with one employee is between $646 and $950. The state base rate is $900.

What insurance is required for a Massage Therapist in Arizona?

In Arizona, businesses are subject to a 5.6% insurance tax. Massage Therapists typically need General Liability due to a risk factor of 0.8.

Massage Therapist Insurance Cost in Phoenix, Arizona (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$646-$950

Estimated Annual Premium

Monthly Average Breakdown

$63 / mo

Includes General Liability

Industry Risk Profile

Massage therapists need professional liability (malpractice) insurance to protect against claims of injury caused during a session.

Risk Factor0.8x

Location Factors

State Base Rate$900
Phoenix Multiplier1x
State Tax Rate5.6%

Local Compliance FAQ

Is General Liability required in Phoenix?

While Arizona law may not mandate it for all businesses, Massage Therapists often need proof of insurance to bid on local commercial projects in Phoenix.

Why is the rate different here?

Your premium reflects Arizona's specific base rate of $900 and a local city multiplier of 1x.

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