How much does Massage Therapist insurance cost in Richmond, Virginia?

The estimated annual cost for a Massage Therapist in Richmond with one employee is between $666 and $979. The state base rate is $930.

What insurance is required for a Massage Therapist in Virginia?

In Virginia, businesses are subject to a 5.3% insurance tax. Massage Therapists typically need General Liability due to a risk factor of 0.8.

Massage Therapist Insurance Cost in Richmond, Virginia (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$666-$979

Estimated Annual Premium

Monthly Average Breakdown

$65 / 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$930
Richmond Multiplier1x
State Tax Rate5.3%

Local Compliance FAQ

Is General Liability required in Richmond?

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

Why is the rate different here?

Your premium reflects Virginia's specific base rate of $930 and a local city multiplier of 1x.

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