SPA OWNER INSURANCE
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
Spa insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the spa insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Professional liability (E&O)
- Commercial auto
- Workers’ compensation
- Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for spa business insurance and save up to 10% when you bundle two or more of our policies.
General Liability
Bought by 95% of business owners like you
General liability insurance covers a wide range of spa accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by building owners and local governments.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)
Bought by 80% of business owners like you
Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of not cleaning your spa treatment tools thoroughly enough and a customer develops a rash, it could help cover related expenses to defend yourself.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto
For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive regularly for business purposes.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
You can save up to 25% in discounts on spa owner insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does spa insurance cost?
Spa business insurance quotes vary based on the risks that your business faces, such as:
- The kinds of nail, skin or hair removal services you provide
- Where your spa is located
- Your payroll and the kinds of jobs your employees do
- The types of vehicle you use for work
Learn more about spa owner insurance costs and coverage.
Spa owner insurance requirements
Spa owners are almost always required to have insurance due to the risk of injury to customers and damage to commercial or personal property. You might need insurance to:
- Start offering spa services. Building owners and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
- Hire employees. Most states require workers’ compensation.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about spa business insurance
Here are some of the most common questions we get about insurance for spa owners. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect spa owners?
Our spa insurance programs and packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
You accidentally spill facial mud on a customer’s expensive suede jacket. The general liability coverage in your insurance package would help pay for a replacement.Accidents that hurt someone
An aromatherapy treatment triggers an allergic reaction in one of your clients that requires medical attention. Your general day spa liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.Professional mistakes
A client claims that your spa’s massage services made them too sore to host their fundraiser. Professional liability insurance helps you defend yourself if you’re accused of making a mistake, even if it’s not true.Workplace injuries
An employee slips on a wet tile floor in the spa and throws out their back. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
You get into an accident on your way to provide an in-home massage for a client. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Damage to your own property
A candle starts a fire which causes significant damage to your spa. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.What do I need to get an insurance quote online?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
How can I get a certificate of insurance?
You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines.
If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free.
You can easily share your COI with anyone via email, text message or a social media post.
We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.
Find out more details about your certificate of insurance.
How does the claims process work with NEXT Insurance?
If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account and require help from our support team, please visit our online help center.
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More professions that are covered by NEXT
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.