How much does Massage Therapist insurance cost in Lafayette, Louisiana?

The estimated annual cost for a Massage Therapist in Lafayette with one employee is between $696 and $1024. The state base rate is $980.

What insurance is required for a Massage Therapist in Louisiana?

In Louisiana, businesses are subject to a 4.4% insurance tax. Massage Therapists typically need General Liability due to a risk factor of 0.8.

Massage Therapist Insurance Cost in Lafayette, Louisiana (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$696-$1024

Estimated Annual Premium

Monthly Average Breakdown

$68 / 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$980
Lafayette Multiplier1x
State Tax Rate4.4%

Local Compliance FAQ

Is General Liability required in Lafayette?

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

Why is the rate different here?

Your premium reflects Louisiana's specific base rate of $980 and a local city multiplier of 1x.

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How much does Massage Therapist Insurance cost in Lafayette?