Not 100% sure from an insurance point of view as each company will probably have their own guidelines as to what you can & can't do. An individual would need to check their policy to see if they were covered or not but assuming they did conventional powder & liquid masks at college there generally shouldn't be an issue.
What I would say the main issue is, as mentioned earlier in the thread, a spa passing off a luxurious chocolate wrap if literally only cocoa powder & water was used! Can't imagine many clients being too chuffed if they knew that!
The advantage a therapist will have with buying a branded product is that the guess work is taken out of the equation. All they need do is add water or some other liquidy product to form the mask. A bit like many of the companies that do algae masks which are a powder mixed with a liquid.
I can't speak for other companies & their ingredients but the chocolate mask that I make has far more to it than just cocoa powder
To the OP, my website that has been linked is geared for retail products. Should anyone wish to have trade price lists, they can use the contact form on my website
Some of my friends have actually nicknamed me Lindt as I'm now starting to specialise in chocolate face & body treatments plus chocolatey bath & body products.