Practice and risk
Insurance considerations
BoundedLegal requirement finding
The reviewed Oregon massage licensing statute and current Board licensing rules do not state a statewide professional-liability-insurance requirement for individual massage therapists. This limited finding does not address contracts, employers, facilities, landlords, events, local rules, or other business obligations.
The reviewed sources do not support a universal legal conclusion. General information only—not legal, financial, or coverage advice.
Insurance sources
Professional risk context
Professional liability coverage is designed around claims arising from professional services. Compare covered services, defense costs, exclusions, occurrence versus claims-made terms, consent-to-settle terms, and whether every modality you practice is included.
General liability commonly addresses third-party bodily injury or property-damage risks outside the professional service itself. Confirm whether a professional policy includes this protection or whether separate coverage is needed.
- Oregon separately regulates individual massage practice and many massage facilities; insurance does not replace either license or permit.
- Use Oregon's Division of Financial Regulation resources to understand commercial coverage and verify that an insurer or producer is authorized.
Questions for an insurer
- Which massage and bodywork modalities are covered or excluded?
- Are defense costs inside or outside the liability limit?
- Are independent contractors, employees, students, products, premises, mobile work, and prior acts covered?
- What reporting deadlines and documentation duties apply after an incident?