Insurance for day spas.

General liability, professional liability for massage, facials, and body treatments, abuse and molestation coverage, property, and workers’ comp, for day and resort spas.

What day spas usually carry

General liability, $1M / $2M
Professional liability
Abuse and molestation
Property and equipment
Business income
Workers’ comp

Watch for these in a spa policy

Abuse and molestationMany spa policies exclude sexual misconduct claims unless the coverage is added back. Any spa that offers massage should carry it, since the defense alone is costly.
Medical treatmentsInjectables, laser hair removal, and medical-grade peels fall outside a spa policy. They usually need medical professional liability of their own.
Saunas, steam rooms, and hot tubsSlips and burns in wet areas are frequent spa claims. Many carriers ask about water temperature controls, signs, and cleaning logs.
Oily linensTowels soaked in massage oil can heat up and ignite in a dryer or a laundry bin. Carriers often ask how you wash, cool, and store them.

What landlords and hotels ask day spas for

Additional insuredHotels and landlords ask to be named, often on a primary and noncontributory basis.
Abuse and molestationHotel spas are often required to carry it at a set limit.
UmbrellaResort operators may ask for $1M or more above your liability.
Waiver of subrogationCommon in both leases and hotel operating agreements.

Questions day spas ask

Straight answers.

The questions we hear most, answered plainly.

Does spa insurance cover a therapist accused of misconduct?

Only if the policy includes abuse and molestation coverage. It usually defends the business against claims like negligent hiring, not the person accused.

Are facials and chemical peels covered?

Esthetic facials and light peels usually are, under professional liability. Medical-grade peels and anything done with a needle or a laser usually need a medical policy.