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Spa Insurance: Liability, Best Companies & Quotes

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Whether you’re going to the gym, makeup artist, barber shop, beauty salon or day spa, self-care is important, and the businesses that make that self-care possible are a crucial part of our lives. However, these businesses still need to ensure that they’re protected from potential legal expenses, and that’s where spa insurance coverage comes into play.

In this guide, we’re going to take a look at everything you need to know about getting your spa insured. We’ll cover the average cost of insuring a spa as well as a few of the most common spa business insurance coverage options that spa owners should purchase so that they don’t find themselves in deep financial trouble.

Cheap Business Insurance Near Me

Spa Liability Insurance

Liability coverage is the most common type of spa insurance coverage, no matter if it's a massage spa, mobile spa or a day spa insurance, because it covers the most common issues that spa owners tend to run into. Odds are, if you’re getting sued by someone because of your spa, then you likely would have been covered by some form of liability insurance.

For example, if one of your customers ends up slipping and falling while they’re at your spa and they press charges against you, you’ll be covered by a liability policy, barring negligence on your part. As long as the circumstances of the accident are within reason, your insurance company will pay out on your behalf.

However, spa liability insurance policies are also subject to a policy limit, which limits the amount of money that they will pay out. If someone ends up pressing charges beyond your liability insurance policy’s limit, you will have to cover the rest of the expenses yourself.

Liability coverage tends to be one of the more expensive kinds of salon and spa insurance you can get your hands on because of the potentially large payouts that your carrier may have to cover for you. One thing to consider is there are two main kinds of liability coverage you can opt for.

Public Liability Insurance for Spa Business

Public liability coverage is the more affordable form of liability insurance that you can opt for because of the smaller number of circumstances in which it will cover you. This reduces the risk of the insurance company having to pay out on your behalf, which cuts down on how much you can expect to spend on coverage.

So why is public liability coverage more limited than a general liability policy? It is because it only applies to members of the general public and not the people who work for you. This means that you’re out of luck if one of your employees ends up getting injured and presses charges against you.

General Liability Insurance for Spa Business

If you’re willing to pay a little bit more for your spa insurance coverage, then you may want to get your hands on a general liability policy. These policies are usually more expensive, and this makes them a lot less common, especially for home spas that don’t have as large of an income as more established businesses.

General liability coverage tends to include everyone on the premises, and it’s not only limited to members of the public. For example, if someone who works for you ends up having their property damaged or ends up getting hurt while working for you, they’ll be covered by general liability.

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Spa Insurance Cost

In general, the average spa liability insurance cost is about $46 per month, or $550 per year. Keep in mind that rates will always vary depending on the size of your spa business, its history, years in business, number of employees and customers, as well as other risk factors. 

That said, please find some average spa insurance rates from some of the best spa insurance companies in America below.

CompanyCost per monthCost per year
Progressive$42$510
Hiscox$39$467
State Farm$50$599

Best Spa Insurance Companies

When shopping around for spa insurance coverage, you’ll have to pick the right company to work with. To make that easier for you, we’ll take a look at three of the most qualified spa insurance carriers, and we’ll further examine their policies and average costs. To compare spa insurance quotes online from these carriers as well as other leading spa business insurance companies and have them compete on your business, be sure to click the 'Get Quotes' button below and complete the form.

Progressive Spa Insurance

Progressive has been in business since 1937, and while they may be known for their auto insurance policies, they also offer spa and other business coverage. One of the best things about Progressive is their online presence, which makes it a lot easier to obtain and manage your insurance policies.

Progressive Policy Details

Progressive specializes in working with massage spas, mobile spas, health spas, and day spas, making them one of the more versatile spa insurance companies available. Spa business coverage automatically comes with general liability coverage as well as commercial auto insurance for spa business.

Pros

  • Features both business and commercial auto coverage

  • Covers many areas

  • Willing to work with mobile spas

Cons

  • In some areas, policies are subcontracted

Average Cost: $42 per month

Best for: More specialized spas

Our Rating: 4.7/5

Hiscox Spa Insurance

Hiscox is one of the most reputable insurance companies in the world, and they have been in business since 1901. In fact, they are an underwriter of Lloyd’s of London, which is one of the most prestigious insurance companies in the world. As you’d expect from them dabbling in spa insurance, the company tends to specialize in niche insurance.

Hiscox Policy Details

Hiscox offers two specific kinds of policies for spas, bundled into their “spa and beauty shop coverage” policies: professional liability coverage and general liability coverage. They allow you to choose between flexible payment options, and they offer extremely quick responses to their claims.

Pros

  • Responds quickly to claims

  • Two kinds of coverage for spas

  • Also covers beauty shops

Cons

  • Limited coverage area

Average Cost: $39 per month

Best for: Spa/beauty shop hybrids

Our Rating: 4.5/5

Compare Spa Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

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State Farm Spa Insurance

State Farm is quickly approaching its 100th birthday, and that will mark 100 years of the company providing Americans with quality insurance. The company is the largest casualty and property insurance provider in the country, and it is also the largest auto insurance carrier.

State Farm Policy Details

State Farm covers spas under its hair salon, barber, and day spa insurance policy, which is essentially a business owner’s policy (BOP). This kind of policy combines business liability insurance with property insurance so that your business is covered from the most common threats. Optional add-ons include loss of income and even computer property coverage.

Pros

  • Versatile policy

  • Coverage in case of equipment breakdown or loss of income

  • Also covers barber shops and salons

Cons

  • Expensive

Average Cost: $50 per month

Best for: Those looking for a custom policy

Our Rating: 4.7/5

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