Spa Insurance
$31.08/ month
Cover up to 10 stations and your whole team with one easy policy.
- Simple pay-by-station pricing
- Instant coverage + proof of insurance
- Tools & supplies coverage options
- One policy covers 250+ services
What Is Spa Insurance?
Spa owner insurance is designed to financially protect your business from costly third-party claims. Beauty & Bodywork Insurance (BBI) offers blanket coverage for your spa, insuring multiple stations and all the technicians who work them under one policy.
It combines general and professional liability to pay for claims like:
- Client or vendor injury
- Damaged client property
- Allergic reactions to products
- Damage to your rented space
- Unmet client expectations
- And more!
Note: You must rent or lease (not own) your spa’s location to qualify for coverage
Spa Liability Insurance Tailored for Your Business
It’s your turn to relax. Spa insurance is for you if you run a:
- Day spa
- Massage spa
- Wellness spa
- Resort or hotel spa
- Destination spa
- Mineral springs spa
- Franchise and chain
Still not sure? We can help!
Unwind With Peace of Mind
Spa business insurance lets you focus on what matters. Here are real claims BBI’s coverage has helped with.
- $13,993
- $4,971
- $66,498
- $118,121
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
How Much Does Spa Business Insurance Cost?
Day spa insurance starts at $31.08 per month or $349 per year. Your base policy premium is calculated based on the number of stations you insure — not your number of employees or sales. Learn more about salon and spa insurance costs.
| Number of Stations | Monthly Pricing | Annual Pricing |
|---|---|---|
|
1-2 Stations |
$31.08 |
$349
|
|
3 Stations |
$39.42 |
$449
|
|
4-5 Stations |
$47.75 |
$549
|
|
6-7 Stations |
$49.92 |
$575 |
|
8-9 Stations |
$58.25 |
$675 |
|
10 Stations |
$66.58 |
$775
|
Spa Liability Insurance Coverage Details
Yearly Policy Limit: $3 million
General liability insurance covers you for third-party claims of bodily injury or property damage caused by your business operations. Professional liability insurance protects you against third-party claims of injury or damage caused by your business’ professional services.
Yearly Policy Limit: $3 million
Products and completed operations coverage protects you from third-party claims of injuries or damage caused by the products your business uses or the completed services your business has provided.
Yearly Policy Limit: Included as Part of General Liability Coverage
Personal and advertising injury protects you from claims of non-physical damages caused by libel, slander, advertising mistakes, or copyright infringement.
Yearly Policy Limit: $300K
Fire legal liability coverage can pay for claims if your business accidentally causes fire damage to your rented space.
Yearly Policy Limit: $2,000 – $30,000
Tools and supplies coverage (inland marine insurance) can pay to replace your movable business essentials in case of theft or damage.
Do I Need Spa Insurance?
Clients come to your spa for the relaxing “me time” they deserve, but sometimes accidents happen. When they do, your service providers and you, as the business owner, can be held liable for paying to make things right. Spa insurance protects you from facing expensive claims alone.
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Limits – Per Claim / Per Policy | Price | Deductible | |
Tier 1 | $2,000 / $2,000 | $2/month | $100 |
Tier 2 | $5,000 / $10,000 | $5.50/month | $200 |
Tier 3 | $10,000 / $20,000 | $10.67/month | $500 |
Tier 4 | $15,000 / $30,000 | $17.83/month | $500 |
Tier 1:
Limits – Per Claim/Per Policy:
$2,000 / $2,000
Price:
$2/month
Deductible:
$100
Tier 2:
Limits – Per Claim/Per Policy:
$5,000/$10,000
Price:
$5.50/month
Deductible:
$200
Tier 3:
Limits – Per Claim/Per Policy:
$10,000/$20,000
Price:
$10.67/month
Deductible:
$500
Tier 4:
Limits – Per Claim/Per Policy:
$15,000/$30,000
Price:
$17.83/month
Deductible:
$500
Why BBI for Spa Insurance
Luxury Coverage at an Affordable Price
A Simple Pay-by-Station Base Policy
Customer Support You Can Truly Count On
Enjoy:
- A top-rated carrier
- Flexible payment options
- Online policy management
- Blanket coverage for your entire team
- Licensed, non-commissioned customer support
- Multiple tools and supplies coverage tiers
- Pro-preferred occurrence-form coverage*
- Instant certificate of insurance (COI)
*All new policies purchased after July 1, 2024 include occurrence-based coverage.
We’ve Got You Covered
But take it from our happy policyholders.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
Questions About Spa Insurance
Do I Need Spa Insurance if I Don’t Have Employees?
Spa insurance is designed for spa owners who have employees, rent out rooms or stations, or contract independent technicians. If this doesn’t sound like you, you may need our professional insurance policy instead. Coverage for independent or self-employed service providers starts at $9.99 a month. Learn more.
What Does Spa Insurance Typically Cover?
Spa insurance typically covers third-party liability claims related to your business — whether yourself or your technicians. This includes accidental client injuries, allergic reactions, personal (non-physical) injuries, and real or perceived professional mistakes.
It can also cover your business personal property with our optional tools and supplies coverage in case of theft or damage.
Does Spa Insurance Cover Independent Contractors or Employees?
Yes, it does! With BBI’s spa insurance, as long as the station is covered under your policy, any independent contractor or employee who works at it is also covered.
