Day Spa Insurance

General Liability Insurance Includes:

• Premises Liability – Premises liability protects you from accidents that happen on your business property. If a customer injures themselves at your day spa for example, or if their personal property is damaged while they’re there, this part of your general liability insurance will pay for the medical and repair bills.
• 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.
• Completed Operations – Sometimes problems are not discovered until after services have been rendered. If, for example, your day spa provides deep muscle massages to your customers everything may seem fine right after the service has been completed. If the customer later discovers they were injured by those services, your completed operations coverage can protect you from the litigation expenses. It can also pay for your customer’s medical care and rehabilitation expenses.

Business Owners Policy (Bop)

All of the parts of general liability insurance are included with another type of business owners insurance known as a BOP, or business owners policy. A BOP provides you with protection against asset losses. You can pick and choose just the right types of coverage you need for your day spa, so that you’re not paying for insurance you don’t need. Tangible and intangible asset protection coverage can include:

• Buildings and Contents
• Business Income and Extra Expense
• Electronic Data
• Newly Acquired or Constructed Buildings
• Employee Dishonesty Coverage