Spa Insurance

Spa Liability Insurance

Get a custom spa insurance policy designed to protect your business from its unique risks.

Zensurance - Spa Business Owner

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Spa Busines Owner

Insurance for spas

As a spa owner or professional working in one, you specialize in helping your customers look and feel their best through the treatments you provide. While you take pride and care in the services you provide, the possibility of an accident or error that injures one of your customers is a reality. Should that happen, and one of your customers decides to sue you for damages, the reputational damage you may suffer and the cost could spell the end of your business without a spa insurance policy.

Spa insurance is a customized policy for business owners and spa professionals to protect them from the risks associated with the services they provide to their customers. As with any business serving clients, there is always the potential for an accident or mistake being made. For spas and the types of treatments they provide, those risks are doubled.

Spa insurance includes several coverages that are combined to provide a complete package. Typically, spa insurance includes the following coverages:

  • Professional Liability Insurance: Also known as errors and omissions (E&O) insurance or malpractice insurance, professional liability coverage safeguards you from allegations of misconduct, negligence, or failure to deliver a service as advertised. If one of your customers claims your professional advice or service to them was wrong and they suffer a loss or damage, they could sue you. Professional liability is designed to cover your legal fees and any monetary judgments against you in court.
  • Commercial General Liability (CGL) Insurance: Commonly referred to as “slip-and-fall insurance,” CGL is basic coverage that protects you against day-to-day risks while running your business. CGL can protect spa owners against claims of third-party bodily injury or property damage that occur at your business location. CGL is designed to cover an injured patron’s medical fees. If they sue you for damages, it also covers your legal expenses and any settlement ordered by the court. Furthermore, CGL also includes product liability insurance, which protects against claims alleging that a product you used during a treatment or sold to a customer resulted in them suffering bodily injury or property damage. Damages covered by product liability are often the result of a design, manufacturing, or marketing defect, such as an incorrect label or a lack of safety warnings.
  • Commercial Property Insurance: Commercial property insurance protects your spa from insured perils that occur beyond your control, such as a fire or theft. You can also add business interruption insurance, which provides reimbursement for net income lost following an insured event. For instance, if a fire ignites in your spa overnight and causes significant damage, your spa will remain closed until the building is repaired. Business interruption coverage will provide you with financial support for the income you lose while the spa is under repair. However, business interruption coverage will not cover income lost due to a pandemic, infectious disease, or government-mandated public health closure.

Several factors come into play when an insurance company determines what your annual premium is for a spa insurance policy. A typical policy costs around $330 per year. The factors insurers consider include:

  • The services you provide
  • Your years of experience as a business owner
  • The training and certifications you and your employees have
  • Any previous claims you may have made
  • Your annual and projected gross revenue

Whether it’s a day spa, mobile spa, massage spa, aromatherapy spa, medical spa, or health spa, any type of spa or professional working in one should be insured, including:

  • Cosmetic injectable nurses
  • Cosmeticians
  • Eyebrow and eyelash technicians
  • Estheticians
  • Hairstylists
  • Laser technicians
  • Massage therapists
  • Microblading professionals
  • Nail technicians
  • Spa attendants
  • Spa owners
  • Waxing and sugaring specialists

Getting insured is quick and easy!

Complete our 5-minute online application for a free spa insurance quote.

Common claims scenarios

Body Waxing - Spa Liability

Problem: After applying a full-body wax to a customer, they experience an allergic reaction to the treatment and require medical attention.

Outcome: Your professional liability insurance may cover the cost of the customer’s medical expenses.

Injured arm on spa client

Problem: A customer visiting your spa slips and falls on a recently mopped floor, fracturing a wrist. They decide to sue you for bodily injury damages.

Outcome: Your commercial general liability insurance may pay for the injured customer’s medical expenses, provide coverage for your legal fees, and any court-ordered settlement.

Problem: A candle falls over on one of your tables and catches on fire, causing damage to your spa, equipment, and product inventory.

Outcome: Your commercial property insurance may cover the cost to repair the damages to your spa and equipment and replace the burned inventory.

Frequently asked questions

Is there a difference between malpractice insurance and professional liability insurance?

Malpractice insurance for a spa typically focuses on bodily injury due to professional negligence, while professional liability is focused on financial harm. A comprehensive spa insurance policy from Zensurance is customizable to provide you with both coverages.

Does my spa insurance policy cover any independent professionals who rent a space in my spa?

No. Your spa insurance policy is designed to cover you, the business owner, and your employees. If you have independent professionals working in your facility who are not your employees, they need their own liability insurance policy.

I have my customers sign a liability waiver. Do I still need a spa insurance policy?

Yes. A liability waiver may not protect you in court if you are sued. A spa insurance policy will provide you with financial support in the event one of our customers is injured on your property, by one of your services, or a product they purchase from you.

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Ready to start? Let’s get a quote!

Getting the protection your spa needs to safeguard your livelihood from the unique risks your business faces is easy with Zensurance. Fill out an online application and answer a few questions about your spa and its services to get a free quote. Our licensed broker team will shop our partner network of more than 50 Canadian carriers to get you the coverage you need at an affordable price.