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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

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

General Liability

Protection for the injuries, accidents and damage you cause

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)

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

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

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

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

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

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
Spa owner insurance requirements

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.