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BUSINESS INSURANCE FOR
Day Spas
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Day Spa Insurance

Day spas are wonderful businesses to own. You get to make nice profits while helping people take a break and feel good about themselves. Owning a day spa is both rewarding and stressful however. You must balance your customer’s needs, employee’s needs and business needs all while taking care of the day-to-day details. Relieve some of your ownership stress by making sure you’re not at risk for severe financial problems. Protect your company from everyday risks and hazards with small business insurance.

General Liability

General liability insurance provides you with broad protection for any number of unexpected hazards, risks and events. This insurance covers most things as long as they aren’t specifically excluded on your policy. It’s designed to protect both your day spa and your customers. So you won’t lose everything when accidents happen but your customers won’t either.

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General Liability Insurance Includes:

Business Owners Policy

All of the parts of general liability insurance are included with another type of business owners insurance known as a BOP, or business owners policy. A BOP provides you with protection against asset losses. You can pick and choose just the right types of coverage you need for your day spa, so that you're not paying for insurance you don't need. Tangible and intangible asset protection coverage can include:

Business Auto

Business auto insurance protects your day spa from suffering the costs of auto accidents, theft and even natural disasters if you select that level of coverage. This insurance pays the cost of people’s medical care when they’re injured in an accident, and it pays for property damage repairs as well.

Workers Comp

When you have employees you must also have workers comp insurance. This coverage is mandated by law in most states. It is meant to provide protection for your employees if they’re ever hurt at work. Workers comp pays the medical bills and recovery expenses for injuries sustained on the job.

Commercial Umbrella

Commercial umbrella insurance provides you with an additional layer of protection. If your business insurance policies reach their maximum benefit levels, an umbrella policy can provide additional coverage.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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