How much does Massage Therapist insurance cost in Louisville, Kentucky?

The estimated annual cost for a Massage Therapist in Louisville with one employee is between $627 and $923. The state base rate is $870.

What insurance is required for a Massage Therapist in Kentucky?

In Kentucky, businesses are subject to a 6.0% insurance tax. Massage Therapists typically need General Liability due to a risk factor of 0.8.

Massage Therapist Insurance Cost in Louisville, Kentucky (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$627-$923

Estimated Annual Premium

Monthly Average Breakdown

$62 / 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$870
Louisville Multiplier1x
State Tax Rate6.0%

Local Compliance FAQ

Is General Liability required in Louisville?

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

Why is the rate different here?

Your premium reflects Kentucky's specific base rate of $870 and a local city multiplier of 1x.

Compare Massage Therapist Insurance in Other Kentucky Cities

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