Spa Business Insurance Comparison

Insurance for

Spa's

Coverage for potential liabilities and risks associated with spa businesses, including property damage, injuries to clients, and professional liability, helping spa owners protect their assets and reputation.

Why do

Spa's Need Insurance?

Whether it’s protecting against client injuries, property damage, professional errors, or unexpected events like fires or theft, business insurance provides vital financial protection and legal defense, ensuring the continuity of spa operations and shielding owners from significant financial losses that could otherwise jeopardise the viability of their businesses.

Cover Types for

Spa's

These insurance types help spas manage the unique risks of the beauty and wellness industry, protecting both the business and its clients.

Professional Indemnity Insurance

Covers claims of negligence, errors, or omissions in the services provided, such as adverse reactions to products or treatments that result in harm to a client.

Learn More

Public Liability Insurance

Essential for covering claims related to third-party injuries or property damage, such as a client slipping on wet floors or being injured during a treatment.

Learn More

Cyber Liability Insurance

Protects against the financial impact of data breaches or cyberattacks, especially if client booking systems or sensitive personal data are stored digitally.

Learn More

Business Interruption Insurance

Provides financial support for lost income and ongoing expenses if the spa has to close temporarily due to an insured event, like water damage or fire.

Learn More

Business Property Insurance

Protects the spa’s physical assets, including equipment, furniture, and fixtures, from risks like fire, theft, or vandalism.

Learn More

Product Liability Insurance

Important for spas that sell or use products on clients, covering claims related to reactions or injuries from products like skincare items, massage oils, or hair dyes.

Workers' Compensation Insurance

Required if the spa employs staff, covering medical expenses and lost wages for employees who suffer work-related injuries or illnesses, such as repetitive strain injuries or chemical exposure.

Learn More

Contents and Stock Insurance

Covers the spa’s contents and stock, such as beauty products, oils, and equipment, including coverage for spoilage or damage to items that require specific storage conditions.

Scenarios where

Spas Need Insurance

A massage therapist at the spa accidentally uses an incorrect technique, causing a client to experience muscle strain and discomfort. The client alleges negligence and seeks compensation for medical bills and lost wages. Professional indemnity insurance, also known as malpractice insurance, would protect the spa and the therapist in this situation.

A fire breaks out in the spa, causing significant damage to the building, equipment, and furnishings. Business property insurance would help cover the costs of repairing or replacing the damaged property and allow the spa to continue operations while recovering from the fire-related losses.

A spa client slips on a wet floor in the reception area, resulting in a broken wrist. The injured client sues the spa for medical expenses and pain and suffering. Public liability insurance would cover the costs associated with the client’s injury and legal defense.

Start Your Quote For

Spa Business Insurance

We will match the ideal insurance partner to you.