Spa Insurance Cost
How Much Does Spa Insurance Cost?
Spa insurance costs as little as $349 per year, or $31.08 per month, with Beauty & Bodywork Insurance (BBI).
The exact cost of your policy will depend on the number of individual stations you have, the type of services offered, and any optional coverages you add. Unlike some insurance companies, BBI does not increase your rates on a per-employee basis.
Looking for individual policy prices? Check out our coverage details page.
Day Spa Insurance Costs
Day spa insurance costs $349/year, or $31.08/month for 1-2 stations. For 10 stations, spa insurance costs $775/year or $64.58/month.
Massage Spa Insurance Costs
Massage spa insurance costs $349/year, or $31.08/month for 1-2 stations. For 10 stations, spa insurance costs $775/year or $64.58/month.
Wellness Spa Insurance Costs
Wellness spa insurance costs $349/year, or $31.08/month for 1-2 stations. For 10 stations, spa insurance costs $775/year or $64.58/month.
Resort or Hotel Spa Insurance Costs
Hotel spa insurance costs $349/year, or $31.08/month for 1-2 stations. For 10 stations, spa insurance costs $775/year or $64.58/month.
Franchise and Chain Spa Insurance Costs
Franchise spa insurance costs $349/year, or $31.08/month for 1-2 stations. For 10 stations, spa insurance costs $775/year or $64.58/month.
Note: The BBI spa policy can cover over 250+ methods performed in one location, such as beauty, hair, nail, and other spa services.
BBI’s premiums increase based on the number of stations you want to cover, not the number of employees you have. For example, if you have eight technicians working in six rooms or stations, you only pay for the six stations.
Our station-based premiums simplify the insurance process for spa owners by allowing you to insure all your employees under one policy — even if the number of employees changes, or the technicians themselves change.
BBI Spa Insurance can cover spas with up to 10 stations:
| 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
|
Don’t Let Accidents Hold Back Your Business
Would you rather pay $349 for insurance, or $5,000 to $100,000 for a claim out of pocket?
A single claim can cost thousands to hundreds of thousands of dollars. That’s a lot of money for a small business owner. BBI’s insurance coverage is designed to cover those costs when something goes wrong.
Spa insurance is an easy way to ensure your business continues as usual, even if an accident occurs. It’s a small price to pay for your peace of mind.
- $4,971
- $1,249
- $2,286
-$17,498
- $118,121
All policies have conditions, limitations, and exclusions. Please read the policy for exact verbiage. Claim scenario circumstances vary in nature, and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure you are aware of any allergies your clients may have beforehand, and always work with precautions and care.
4 Factors That Impact Spa Insurance Costs
1. Number Of Stations
The number of stations you insure will raise your spa insurance costs. More stations mean more risk, which equals higher premiums.
2. Services Offered
Different treatments or services may require additional coverage, and additional coverage means additional costs.
3. Optional Coverages
4. Claims History
Your claims history can also impact insurance costs. If you have a history of filing costly or frequent claims, you may see your rates go up.
Some insurance companies also calculate your premiums based on your location, the number of people you employ, or the yearly revenue of your business.
BBI does not raise your premium for these reasons, making our policy more affordable for spa and salon owners.
Is Insurance Required For Spa Owners?
Some cities or state licensing boards may require you to have liability insurance before you’re allowed to legally operate your spa. These requirements often vary, so check your local laws.
It’s also common for franchise owners, building managers, and other landlords to require proof of insurance before they’ll work with you.
Most business owners recommend getting insurance, whether it’s a requirement or not, for the peace of mind alone. You don’t want to get involved in a lawsuit and have no way to pay the court fees.
Financial Protection:
Insurance acts as your financial safety net in the event of accidents, property damage, or lawsuits. It prevents unexpected expenses from crippling your business and helps you stay afloat during challenging times.
Client Confidence:
Liability insurance demonstrates your commitment to your clients’ well-being. It fosters trust and loyalty by showing you take their safety seriously.
Meets Requirements:
Depending on your business or location, spa liability insurance may be a requirement. By obtaining the necessary coverage, you ensure you’re operating within the proper legal bounds.
Unfortunately, accidents happen. The best thing you can do for your business is be prepared to handle them when they do.
Spa Insurance From BBI
Regardless of the type of salon or spa you manage, we have one simple plan to keep you and your technicians covered.
Here’s what our base policy includes:
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.
Optional Add-ons & Endorsements
– Tools & Supplies Coverage (Inland Marine) (Starting at $16/year)
– Cyber Liability Coverage ($6.58 / month)
– Sexual Abuse & Molestation (SAM) Coverage* (Starting at $18.25/month for massage and $12.42/month for other services)
– 1 Additional Insured ($15)
– Unlimited Additional Insureds ($30)
Some services and the use of certain tools are not covered by our policy or require an endorsement to qualify. See the full list of exclusions.
Optional Tools and Supplies Coverage
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
See How BBI Stacks Up
There are several spa insurance providers on the market, and we want you to feel confident you’re getting the right coverage for your business.
See how BBI compares:
| BBI | NEXT | Hiscox | The Hartford | PPIB | |
| Price | $349 | $396 | $374 | $761 | $375 |
| General Liability | ✅ $3M | ✔️ $2M | ✔️ $2M | ✔️ $2M | ✔️ $2M |
| Professional Liability | ✅ $3M | ✔️ $2M | ✔️ $2M | ❌ | ✔️ $2M |
| Personal & Advertising Injury | ✅ | ❌ | ❌ | ✔️ | ❌ |
| Damage to Premises Rented | ✅ | ✔️ | ✔️ | ✔️ | ❌ |
| Cyber Liability | ✅ Optional | ❌ | ✔️ Optional | ✔️ Optional | ✔️ Optional |
| Tools & Supplies Coverage | ✅ Optional (multiple tiers available) | ❌ | ✔️ Optional | ✔️ Optional | ❌ |
| Commercial Auto | ❌ | ✔️ | ✔️ Optional | ✔️ Optional | ❌ |
| Workers Comp | Coming Soon | ✔️ | ✔️ Optional | ✔️ Optional | ❌ |
Disclaimer: The provided information is based on the websites of the respective insurance providers and may be subject to change. Verifying the details and obtaining personalized quotes from each provider for the most accurate and up-to-date pricing information is recommended.
See How BBI Stacks Up
There are several spa insurance providers on the market, and we want you to feel confident you’re getting the right coverage for your business.
See how BBI compares:
BBI
- General Liability:
✅ $3 million - Professional Liability:
✅ $3 million - Personal & Advertising Injury:
✅ - Damage to Premises Rented:
✅ - Cyber Liability:
✅ Optional - Tools & Supplies Coverage:
✅ Optional (multiple tiers available)
- Commercial Auto:
❌ - Workers’ Comp:
Coming Soon - Price:
$349
NEXT
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
✔️ - Cyber Liability:
❌ - Tools & Supplies Coverage:
❌ - Commercial Auto:
✔️ - Workers’ Comp:
✔️ - Price:
$396
Hiscox
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
✔️ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
✔️ Optional - Commercial Auto:
✔️ Optional - Workers’ Comp:
✔️ Optional - Price:
$374
The Hartford
- General Liability:
✔️ $2 million - Professional Liability:
❌ - Personal & Advertising Injury:
✔️ - Damage to Premises Rented:
✔️ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
✔️ Optional - Commercial Auto:
✔️ Optional - Workers’ Comp:
✔️ Optional - Price:
$761
PPIB
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
❌ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
❌ - Commercial Auto:
❌ - Workers’ Comp:
❌ - Price:
$375
Disclaimer: The provided information is based on the websites of the respective insurance providers and may be subject to change. It is recommended to verify the details and obtain personalized quotes from each provider for the most accurate and up-to-date pricing information.
How Can I Lower the Cost of My Spa Insurance?
With coverage from BBI, you can feel confident you’re paying an affordable price for high-quality protection. To lower your business costs further:
Choose an Annual Plan
Save by paying annually (versus monthly) for your BBI policy.
Be Selective
Add only the extra coverages that are right for your business.
Reduce Risks
Regularly assess your spa for safety hazards and take necessary measures to address them. A clean, well-maintained space can reduce the likelihood of accidents and potentially lower insurance costs.
Insure Your Spa Today
Customize your coverage online for as low as $349/year with Beauty & Bodywork Insurance.