How much does Massage Therapist insurance cost in San-diego, California?

The estimated annual cost for a Massage Therapist in San-diego with one employee is between $876 and $1288. The state base rate is $1200.

What insurance is required for a Massage Therapist in California?

In California, businesses are subject to a 7.3% insurance tax. Massage Therapists typically need General Liability due to a risk factor of 0.8.

Massage Therapist Insurance Cost in San-diego, California (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$876-$1288

Estimated Annual Premium

Monthly Average Breakdown

$86 / 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$1200
San-diego Multiplier1x
State Tax Rate7.3%

Local Compliance FAQ

Is General Liability required in San-diego?

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

Why is the rate different here?

Your premium reflects California's specific base rate of $1200 and a local city multiplier of 1x.

Compare Massage Therapist Insurance in Other California Cities

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