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.
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.
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.