Even at the safest spa, a customer could slip or have an allergic reaction to a product. Day spa insurance helps cover medical bills, property repairs, legal costs, and other risks of massage and skin care.
These insurance policies cover the most common risks in the spa industry.
A general liability insurance policy covers basic day spa risks, such as a customer slipping while coming out of the shower. Bundle it with commercial property insurance in a BOP for a discount.
A BOP is the most cost-effective way for day spas to purchase commercial property coverage and general liability insurance together. Small low-risk businesses are usually eligible.
Professional liability coverage helps pay legal costs related to work performance, such as a customer claiming adverse effects from a facial. It's also called malpractice insurance, or errors and omissions insurance (E&O).
Most states require workers' comp for day spas that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for day spas that handle credit card numbers and other personal information.
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your day spa. Most states require this coverage for vehicles owned by a business.
It's easy to get day spa insurance or medical spa insurance if you have your business information on hand. Our insurance application will ask for basic facts about your spa, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to help you find the right spa insurance coverage, whether you work independently or hire employees.