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Why do day spas need insurance?
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.
Find the right coverage
Insureon helps spa owners compare insurance quotes for policies that match your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance do day spas need?
These insurance policies cover the most common risks in the spa industry.
General liability insurance
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.
BEST FOR
- Customer bodily injury
- Customer property damage
- Product liability insurance
Business owner’s policy
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.
BEST FOR
- Third-party injuries and property damage
- Business property damage
- Business interruption coverage
Professional liability insurance
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).
BEST FOR
- Customer dissatisfaction
- Accusations of negligence
- Claims that bodywork led to injury
Workers’ compensation insurance
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
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.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
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.
BEST FOR
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does personal care, beauty, and day spa insurance cost?
A cosmetologist working as an independent contractor will pay less for insurance than a salon with several employees.
Factors that affect premiums include:
- Type of business, such as spa, hair salon, or tanning salon
- Business property and equipment
- Business income
- Types of insurance coverage
- Policy limits and deductibles
How do I get day spa insurance?
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
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.
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