Day and Med Spa Insurance

What Is Spa Insurance?

Spa insurance helps protect day spa businesses that provide beauty, health and therapeutic treatments like facials, massage therapy, aroma therapy, waxing and whole body treatments. If something unexpected happens on the job, this type of business insurance can help protect against liabilities, such as property damage.

Day Spas

Business insurance for day spas can help protect business owners against claims from third parties. For example, if someone slips and falls at your spa and sues your business, your insurance can help pay their medical bills and legal fees.

Medical Spas

You’ll need business insurance if your medical spa offers non-invasive or minimally invasive procedures, like laser treatments or Botox injections performed by a physician or under the supervision of a physician.

small business protected by day spa insurance

How Much Does Spa Insurance Cost?

Spa business insurance customers paid an average of about $140 month, or $1,681 per year, for a Business Owner’s Policy (BOP) with The Hartford.**Keep in mind that your business insurance costs will often depend on different factors, including your:

Number of employees
Coverage needs
Location
Payroll size

small business owner giving testimonial on having esthetician insurance from The Hartford

Hear From Our Customers

“We've been with The Hartford since 2019 … they're very easy to respond, they're very quick to respond, and the customer service – that's what I love the most.”

– Queena, Owner of Soulo Hair Spa

small business protected by spa liability insurance

Do I Need Spa Insurance?

If you’re a spa owner, you’ll likely need business insurance to help protect your business against unexpected accidents on the job. Performing therapeutic beauty and wellness treatments can come with unique risks. From employee injuries to damaged property, your business needs spa insurance that you can trust.

Our specialists can help you select the types of insurance you’ll need, but at a minimum, you should have a Business Owner’s Policy (BOP). And depending on where you live, you might be required by state law to have workers’ compensation insurance to help protect your employees on the job.

business protected by medical spa insurance

Proof of Insurance When You Need It

We know your time is valuable. Get a certificate of insurance online when you need it.

Covering Your Operations

Running a spa is hard work. From stocking shelves to servicing clients, there’s always something to check off the to-do list. With specialized insurance coverage from The Hartford, you can keep your business running smoothly.

Fall-related injuries accounted for 35% of all nonfatal injuries in emergency department visits across the U.S. in 2022.¹

General Liability Insurance

“One of our customers slipped and fell on some spilled facial oil. She landed on her wrist and ended up needing medical treatment for a sprain.”

General liability insurance can help pay for medical treatment costs if a customer is injured while at your business. It can also help if their personal property is damaged too.

Employment Practices Liability Insurance (EPLI)

“One of my newer estheticians was consistently showing up late. After I received multiple complaints from clients, I decided to let her go. Next thing I know, she sued my business for wrongful termination.”

Employment practices liability insurance (EPLI) is included in a Business Owner’s Policy (BOP) with The Hartford. This coverage can help if an employee sues our business for wrongful termination, discrimination or harassment.

Protecting Your Property

Day spas and med spas rely on high-quality products and expensive technology to provide safe services to customers. Spa insurance helps protect your business property, giving you peace of mind if something happens.

On average, fire departments responded to a fire somewhere in the U.S. every 21 seconds in 2022.²

Business Owner’s Policy (BOP)

“A fire broke out in our spa after a faulty light fixture malfunctioned. We were closed so thankfully no one was injured, but the fire caused major damage to our ceiling and equipment. It took us about four months to reopen.”

A Business Owners’ Policy (BOP) combines business property and liability insurance into one policy. It can help cover physical damages to your building and equipment after a covered loss.

Commercial Property Insurance

“I ordered some new luxury body care products to use at our spa. The delivery came while I was gone so it was left in the hallway of our building. When I got in the next morning, the package was opened and most of the bottles were stolen.”

Commercial property insurance can help protect your owned or rented building, plus the tools and equipment you use to operate your business, covering losses from issues like fires, burglaries and theft.

Taking Care of Your Team

Your talented team is a key part of your spa’s success. Help keep your employees protected on the job with the right types of business insurance.

In 2022, there were 1,400 nonfatal injuries or illnesses in the personal care services industry.³

Workers’ compensation insurance

“While testing out a new wax warmer, one of my employees accidentally burned her hand. She was unable to work because of the pain and needed to take time off to recover.”

Workers’ compensation insurance helps provide benefits to employees with a work-related injury or illness. It can also help pay for their medical expenses and lost wages.

Commercial Auto Insurance

“Our spa was hired to do facials for a bridal party. While driving to the location, our company van was hit by another driver who blew a stop sign. Luckily, we weren’t injured, but our vehicle had damage to the front bumper.”

Commercial auto insurance helps protect you and your employees while on the road driving for work. This coverage can help pay for property damage and medical expenses resulting from an auto accident.

Frequently Asked Questions About Spa Insurance

What Types of Businesses Does Spa Insurance Protect?

Spa insurance helps protect day spa businesses that provide beauty, health and therapeutic treatments like facials, massage therapy, aroma therapy, waxing and whole body treatments. In addition, you can get certain types of coverage to help protect your med spa if you offer non-invasive or minimally invasive procedures, like laser treatments or Botox injections performed by a physician or under the supervision of a physician.

Do I Need Spa Insurance If I Don’t Have Employees?

If you’re the only employee at your spa, you may not need to buy workers’ compensation insurance. If you’re self-employed or a sole proprietor, your state laws may not require you to have workers’ comp coverage. Keep in mind that it could still be helpful to have because your usual health insurance may not cover medical costs associated with a work-related injury or illness. Be sure to check with your local laws to find out what coverages are required to have.

How Does Insurance Differ for Day Spas vs Medical Spas?

Medical spas typically offer more complex and intensive treatments that may require additional coverage. In addition, the services at a med spa are performed by a physician or under the supervision of a physician and can be invasive or minimally invasive. With higher risk procedures, there’s higher levels of risk for an accident that can result in a costly claim.

What Other Beauty Industry Professionals Are Covered?

The Hartford offers business insurance coverages for other beauty industry professionals, including:

business protected by getting a spa insurance quote

Get a Quote for Spa Insurance From The Hartford Today

Get business insurance coverage that you can trust from a company that has your back.

Start Quote