What Kind of Insurance Do I Need for a Spa Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 22
- 2 min read
Starting a spa business is a rewarding venture, but it comes with unique risks—from client injuries to equipment damage and employee accidents. Whether you operate a day spa, medspa, or mobile spa, having the right insurance coverage is essential to protect your business, staff, and assets.
At Wexford Insurance, we specialize in helping spa owners find tailored insurance
solutions that match the services they offer and the risks they face. Here’s a breakdown of the essential types of insurance every spa business should consider.
This is the foundation of spa business protection. It covers third-party claims for bodily injury, property damage, and personal injury. For example, if a client slips on a wet floor or has an allergic reaction to a product, general liability insurance helps cover medical bills and legal fees.
Also known as errors and omissions insurance, this covers claims related to the services you provide—such as skin reactions, burns, or dissatisfaction with treatments. It’s especially important for medspas and spas offering advanced skincare or massage therapy.
Whether you own or lease your spa location, this insurance protects your building, furnishings, inventory, and equipment from damage due to fire, theft, vandalism, or natural disasters.
If you have employees, this coverage is typically required by law. It pays for medical expenses and lost wages if a staff member is injured while working—such as a massage therapist straining a muscle or a technician slipping in the treatment.
If your spa business uses vehicles for mobile services, deliveries, or transporting staff and equipment, commercial auto insurance covers accidents, vehicle damage, and
Spa equipment like massage tables, facial machines, and laser devices can be expensive. Equipment insurance protects against theft, damage, or breakdowns that could disrupt your operations.
Spas often store sensitive client data, including health information and payment details. Cyber liability insurance protects your business from data breaches, hacks, and digital threats that could compromise client trust and lead to costly legal.
Final Thoughts
Running a spa business means managing both beauty and wellness services—and the risks that come with them. With the right insurance coverage, you can focus on delivering exceptional client experiences while knowing your business is protected.
Wexford Insurance is here to help you find the right spa business insurance tailored to your needs. Contact us today to get started.