Business Insurance for Day Spas

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Day Spa
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A botched skin treatment or allergic reaction to a beauty product could lead to a lawsuit. Safeguard your day spa with policies that address the specific risks of massage and skin care.

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One application, multiple quotes

Insureon helps day spas compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do day spas need?

These policies provide coverage for the most common risks of day spas.

General liability insurance icon

General liability insurance

This policy provides coverage for basic day spa risks, such as a customer slipping while coming out of the sauna. Bundle with commercial property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. A BOP is often one of the most cost-effective commercial insurance policies for day spas.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

Professional liability insurance for day spas covers lawsuits related to work performance, such as a customer claiming poor results from a facial.

  • Customer dissatisfaction over skin treatment
  • Accusations of negligence
  • Claims that bodywork led to injury
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for day spas that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Looking for different coverage? See more policies.

Why do day spas need insurance?

At any spa, a customer could slip in a mineral bath or have an allergic reaction to a rejuvenating product. Day spa insurance helps cover medical expenses, the cost of repairing damaged property, lawsuits from dissatisfied customers, and more. Medical spas that offer physician-supervised procedures like injections, laser treatments, and fillers may require additional insurance.

How much does insurance cost for personal care businesses?

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Several factors will have an impact on insurance costs, including:

  • Personal care services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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