Spa
Insurance

Save up to 30% on your business insurance

Pamper your business with spa insurance today!

Relax and let Coverage Cowboy provide you with the spa insurance coverage you need. With tailored spa insurance, you can be sure that your business is protected from any issues that may arise from providing massage therapy, facial services, waxing, and more.

Get the personalized coverage you need for your spa business to keep it operating smoothly and stress-free.

General Liability
Workers' Compensation
Commercial Auto
Commercial Property

Check out more professions covered by Coverage Cowboy

Bar

Bed & Breakfast

Cigar Lounge

Concert Hall

Golf Course

Hookah Lounge

Hotel

Limousine

Lounge

Motel

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Spa businesses and save up to 10% when you bundle!

General Liability

Bought by 95% of business owners like you

General liability insurance for spas can protect you from lawsuits related to injury, property damage, and advertising claims. It can cover medical expenses, repair costs, and legal fees if a customer is injured at your spa or if you are accused of copyright infringement or defamation of character.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is important for spas that use vehicles for business purposes. It covers damage to the vehicle, as well as any accidents that may happen while it is being used for business. It also provides liability coverage in case of an accident involving the vehicle that causes damage to someone else’s property or injury to another person.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is critical for spa businesses with employees. It will cover medical costs and lost wages in the event an employee is injured or becomes ill as a result of their job. This type of insurance also helps protect the employer from lawsuits related to workplace injuries and illnesses.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for spas to protect their physical assets. It covers damage to the equipment, furnishings, and supplies due to fire, theft, vandalism, and other disasters. It also provides protection for any lawsuits related to property damage caused by the spa, such as a customer slipping on a wet floor or a candle fire. This type of insurance is especially important for spas that own their building, as it can help cover the cost of repairs or rebuilding.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Spa business insurance

How does business insurance protect me?

Business insurance can help protect your spa from a variety of risks and provide peace of mind that your business is protected if something goes wrong. Here are some ways that business insurance can help protect your spa:
Property damage
Your spa’s property can be damaged or destroyed by a variety of incidents, such as fire, vandalism, or natural disasters. Commercial property insurance can help pay for repairs or replacement of your building, equipment, and inventory.
Liability claims
Customers can slip and fall, suffer an injury during a treatment, or claim that your spa caused them harm. General liability insurance can help cover medical expenses, legal fees, and court awards if your business is found at fault for these incidents.
Product liability
If a customer has an allergic reaction or other adverse reaction to a product you use or sell, they could sue your business. Product liability insurance can help cover legal fees and court awards if your business is found at fault.
Employee injuries
If an employee is injured on the job, workers’ compensation insurance can help cover medical expenses and lost wages. This coverage is usually required by law if you have employees.
Business interruption
If your spa is forced to close due to a covered event, such as a fire or natural disaster, business interruption insurance can help cover lost income and expenses while your business is closed.
Cyber liability
If your spa stores customer information electronically and experiences a data breach, cyber liability insurance can help cover the costs of notifying customers, credit monitoring, and legal fees.
By having business insurance, you can help protect your spa from financial losses and keep your business running smoothly.

What do I need to get an insurance quote?

Acquiring a spa insurance quote is a breeze! To kick off the process, prepare the following information about your spa:

Business name and contact information
Location and square footage of your spa
Types of services offered (e.g., massages, facials, body treatments)
Estimated annual revenue and payroll
Number of employees, including therapists and estheticians
List of your key assets (e.g., treatment rooms, equipment, furniture)
Additional amenities, if any (e.g., sauna, steam room, salon services)

With this information handy, you’re all set to request a tailored insurance quote for your spa. Our team is here to help you find the best coverage at the right price!

Can I add an additional insured to my business insurance coverage?

Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!

How can I get a Certificate Of Insurance (COI)?

Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.

SpaInsurance

Save up to 30% on your business insurance

Pamper your business with spa insurance today!

Check out more professions covered by Coverage Cowboy

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Spa businesses and save up to 10% when you bundle!

General Liability

Bought by 95% of business owners like you

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Spa business insurance

NEED A CERTIFICATE OF INSURANCE FAST?

Want to chat?

We're here to help

Need help? Call our award-winning support team at (551) 455-0769 or email us at hello@coveragecowboy.com

What We Cover

Who We Insure

Top Professions

About us

Mon - Sat | 8 a.m. - 8 p.m. EST 551-455-0769

Spa
Insurance

NEED A CERTIFICATE OF INSURANCE
FAST?

Need help? Call our award-winning support team at (551) 455-0769
or email us at hello@coveragecowboy.com

Mon - Sat | 8 a.m. - 8 p.m. EST
551-455-0769