What insurance is required for a Massage Therapist in Rhode Island?

In Rhode Island, businesses are subject to a 7.0% insurance tax. Massage Therapists typically need General Liability due to a risk factor of 0.8.

Massage Therapist Insurance Cost in Pawtucket, Rhode Island (2026 Guide)

Q: How much does Massage Therapist insurance cost in Pawtucket, Rhode Island?

The estimated annual cost for a Massage Therapist in Pawtucket with one employee is between $742 and $1091. The state base rate is $1020.

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$742-$1091

Estimated Annual Premium

Monthly Average Breakdown

$73 / 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$1020
Pawtucket Multiplier1x
State Tax Rate7.0%

Local Compliance FAQ

Is General Liability required in Pawtucket?

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

Why is the rate different here?

Your premium reflects Rhode Island's specific base rate of $1020 and a local city multiplier of 1x.

Compare Massage Therapist Insurance in Other Rhode Island Cities

Massage Therapist in Providence Massage Therapist in Warwick Massage Therapist in Cranston

How much does Massage Therapist Insurance cost in Pawtucket?