Jackie advertises her services online and charges $60 an hour.
The cuddling can take place anywhere around her cottage in Rochester, New York, but most clients opt to use her large double bed.
They are banned from touching parts of her body covered by underwear, which she wears under pyjamas.
The business has done so well she has even hired another snuggling professional, Colleen. Her apprentice has yet to take on a client by herself but has joined Jackie on two occasions in what they have termed a 'double cuddle'.
Despite her strict rules on sexual activity, Jackie has received a barrage of emails and phone calls slamming her as a prostitute.
She added: 'Some have said I am worse than a prostitute because they think snuggling is more intimate than sex. I've been told I'm monetizing love.'
One of her repeat customers, who would only give his name as Tim, disagrees with her critics. He said Jackie's cuddles had helped him following a bad break-up and described the sessions as 'meditative'.