(888) 900 0205Day Spa Insurance
Day spas are wonderful businesses to own. Owning a day spa is both rewarding and stressful however. You must balance your customer’s needs, employee’s needs and business needs all while taking care of the day-to-day details. Relieve some of your ownership stress by making sure you’re not at risk for severe financial problems. Protect your company from everyday risks and hazards with small business insurance.
We’ve specialized in day spa insurance since 2007, backed by nearly two decades of experience in commercial insurance.
General Liability For Day Spas
General liability insurance typically covers third-party claims alleging bodily injury, property damage, and personal/advertising injury arising from your premises or business operations. It commonly excludes professional services, employee injuries (workers’ comp), and other specialized risks that may require separate policies.
General Liability Insurance Includes:
- Premises Liability – Premises liability protects if a covered incident occurs, CGL may help pay legal defense costs and covered damages you’re legally obligated to pay (up to policy limits).
- Products Liability – Despite your best intentions, you may occasionally sell products at your day spa that bring harm to your customers. If this happens, your customers may sue your company. Products liability helps protect you from those lawsuits. It can pay for your legal defense fees, pay for the customer’s pain and suffering, damages, or medical bills, and pay settlement or judgments as well.
Professional Liability for Spa Services (E&O / Malpractice)
If you provide hands-on services, massage therapy, facials, waxing, body treatments, or similar, professional liability coverage helps address claims alleging injury or harm caused by the service itself (e.g., burns, allergic reactions, or allegations of negligent technique).
Coverage terms vary widely, so confirm whether your services are considered ‘professional’ under your policies.
Business Owners Policy (Bop)
A Business Owner’s Policy (BOP) typically bundles core coverages, commonly general liability and commercial property designed for many small and mid-sized businesses. Additional protections may be available by endorsement depending on eligibility, insurer, and state.
- Buildings and Contents
- Business Income and Extra Expense
- Electronic Data - (Some BOPs offer limited electronic data coverage)
- Newly Acquired or Constructed Buildings
- Employee Dishonesty Coverage
What a Day Spa BOP typically includes:
A BOP generally bundles general liability and commercial property coverage, often at a cost-effective rate for eligible small businesses. Optional endorsements may add coverage for business income interruption, equipment, and certain crime-related risks depending on insurer appetite and your operations.
Property, equipment, and tenant improvements
Day spas often invest heavily in tenant improvements, treatment rooms, equipment, and retail inventory. Property coverage can help with covered losses to business property, and optional endorsements may address specialized equipment exposures.
Business Auto
Commercial auto insurance can include liability coverage for bodily injury and property damage you’re legally responsible for, and may also include medical payments/PIP and physical damage (comprehensive/collision) depending on state rules and what you purchase.
Hired & Non-Owned Auto:
If employees run errands, pick up supplies, or travel for business using personal vehicles, hired and non-owned auto liability can help protect the business for certain covered claims. This is commonly added by endorsement.
Workers Comp
In most states, employers are required to carry workers’ compensation if they hire employees, but requirements and exemptions vary by state and business structure. Texas is a notable exception where employers may opt in, though opting out can increase litigation exposure.
Commercial Excess Liability
Commercial excess liability insurance provides you with an additional layer of protection. If your business insurance policies reach their maximum benefit levels, an umbrella policy can provide additional coverage.
Cyber Liability
If you store client contact details, intake forms, or process payments online, cyber liability insurance can help with expenses tied to certain data incidents (e.g., notification, forensic work, and legal support).
CGL policies often do not cover many cyber events, so consider a dedicated cyber policy if you rely on online systems.