Spa Insurance
Top-Rated Spa Insurance for Day Spas & Spa Owners
- Instant online coverage
- Simple pay-by-station pricing
- One policy covers 250+ services
- Built for beauty and bodywork professionals
or $349/year
Cover up to 10 stations (and your whole team) with one easy policy.
What Is Spa Insurance?
Spa owner insurance is designed to 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 operate them under a single policy.
Note: You must rent or lease (not own) your spa’s location to qualify for coverage.
What Does Day Spa Insurance Cover?
BBI’s spa insurance combines general and professional liability, with optional add-ons built for how your spa operates. Here are some essential coverages many spa owners opt for.
| Coverage | What It’s Designed to Cover |
|---|---|
|
General liability (included) |
Third-party (client) bodily injury or property damage that occurs at your spa |
|
Professional liability (included) |
Client bodily injury claims arising from the professional services your spa provides |
|
Products and completed operations (included; part of general liability) |
Injury or damage caused by a product used during treatment or from the completed service itself |
|
Personal and advertising injury (included; part of general liability) |
Liability claims related to libel, slander, copyright infringement, or promotional mistakes |
|
Fire legal liability (included; part of general liability) |
Fire or smoke damage to your rented spa location |
|
Tools and supplies coverage (inland marine) (optional) |
Damage or theft of the professional, movable equipment and supplies your spa uses to operate |
|
Cyber liability (optional) |
Cybersecurity-related claims, including data breaches of your customers’ sensitive information |
|
Sexual abuse and molestation (SAM) (optional) |
Sexual misconduct claims, including misinterpretation of touch or false allegations |
|
Workers compensation (optional) |
State-mandated benefits for W-2 employees if they are injured or become ill due to their work |
For full details on what each coverage includes and excludes, visit our Coverage Details page.
BBI’s standard spa owner policy does not include commercial property insurance (coverage for your spa’s business structure and contents within), but our licensed agents can create a custom policy to fit your coverage needs! Submit an application to get started.
Who Needs Spa Liability Insurance?
BBI’s spa owner insurance is for you if you operate a:
- Day spa
- Full-service spa
- Massage spa
- Wellness spa
- Resort or hotel spa
- Spa franchise or chain
- Facial studio
- Esthetician suite
- Mineral springs spa
- Destination spa
- Nail salon offering spa services
Not sure if you qualify? See Who Qualifies for a full list of covered business categories.
Run a medical spa? If your spa provides medical-grade procedures, injectables, or treatments performed and supervised by licensed medical professionals, see our Medical Spa Insurance page for the right coverage.
How Much Does Spa Business Insurance Cost?
Day spa insurance through BBI starts at $31.08 per month or $349 per year. Your rate is based on the number of stations you insure — not your sales or employee count. Learn more about 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
|
Real Spa Insurance Claims
Focus on helping clients unwind. With BBI in your corner, you’re supported when claims like these arise.
- $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.
Spa Liability Insurance Coverage Details
Annual Policy Limit: $3 Million
Example Covered Claim: A client slips on a puddle in your reception area and breaks their wrist.
Annual Policy Limit: $3 Million
Example Covered Claim: Your spa employee accidentally injures a client during a massage session.
Annual Policy Limit: $3 Million
Example Covered Claim: A client claims that a facial serum used during service caused a severe allergic reaction after they left your spa.
Annual Policy Limit: Included as Part of General Liability Coverage
Example Covered Claim: A competitor claims you copied their spa’s logo in your marketing materials.
Annual Policy Limit: $300K
Example Covered Claim: A towel warmer catches on fire, causing fire and smoke damage in your rented space.
Annual Policy Limit: $2,000 – $30,000
Example Covered Claim: Thieves break into your spa and steal your computer, portable massage beds, and your product inventory.
Annual Policy Limit: $100,000
Example Covered Claim: Your point-of-sale (POS) system is hacked, and your clients’ credit card details are stolen.
Annual Policy Limit: $10,000 – $25,000
Example Covered Claim: A client claims that one of your massage therapists touched them inappropriately during a service.
Currently unavailable for male massage therapists.
Annual Policy Limit: Varies by State
Example Covered Claim: Your employee develops chronic wrist pain from repetitive motions performed during facials and massages.
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 Day Spa Insurance
BBI specializes in covering the beauty and bodywork industry. Our comprehensive coverage is tailored to safeguard your business from common spa risks, all at an affordable price.
Luxe Coverage for Less
Simple Pay-by-Station Pricing
Made for Today’s Spa Owners
Enjoy:
- Top-rated carrier
- Monthly or annual payment options
- Online policy management
- Blanket coverage for your team
- U.S.-based, licensed customer support
- Multiple tools and supplies coverage options
- Industry-preferred occurrence-form coverage*
- Instant certificate of insurance (COI)
Over 70,000 of your industry peers trust BBI to protect their businesses. See why.
*All new policies purchased after July 1, 2024 include occurrence-based coverage.
Beauty & Wellness Professionals Love BBI
Check out what they have to say about us.
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!
FAQs About Spa Insurance
Do I Need Spa Insurance if I Don’t Have Employees?
What Does Spa Insurance Typically Cover?
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.
Do I Need Spa Insurance if I Rent a Booth or Suite?
If you rent a booth or suite at a spa, you need liability insurance because you operate your own business. You’re liable for the services you provide and the clients in your care. Rather than spa owner insurance, an individual practitioner policy is a better fit for you. Find coverage based on your work: Covered Modalities.
What's the Difference Between a Day Spa and a Medical Spa? Does BBI Cover Both?
Can I Get Proof of Insurance the Same Day?
Does One Policy Cover Multiple Stations or Technicians?
Yes, BBI is built for multi-station spa operations (up to 10). One policy can cover your entire spa for general and professional liability, including your entire team, through station-based pricing.
Still have questions?
Visit our FAQ page or contact us — we’d love to help!
