SPA OWNER INSURANCE

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

General Liability

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Workers’ Compensation

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Business Owner's Policy

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Professional Liability

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Other Coverages

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Spa insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the spa insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Professional liability (E&O)
Commercial auto
Workers’ compensation
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for spa business insurance and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of spa accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by building owners and local governments.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of not cleaning your spa treatment tools thoroughly enough and a customer develops a rash, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive regularly for business purposes.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

You can save up to 25% in discounts on spa owner insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does spa insurance cost?

Spa business insurance quotes vary based on the risks that your business faces, such as:

The kinds of nail, skin or hair removal services you provide
Where your spa is located
Your payroll and the kinds of jobs your employees do
The types of vehicle you use for work

Learn more about spa owner insurance costs and coverage.

Spa owner insurance requirements

Spa owners are almost always required to have insurance due to the risk of injury to customers and damage to commercial or personal property. You might need insurance to:

Start offering spa services. Building owners and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about spa business insurance

Here are some of the most common questions we get about insurance for spa owners. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect spa owners?

Our spa insurance programs and packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You accidentally spill facial mud on a customer’s expensive suede jacket. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

An aromatherapy treatment triggers an allergic reaction in one of your clients that requires medical attention. Your general day spa liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims that your spa’s massage services made them too sore to host their fundraiser. Professional liability insurance helps you defend yourself if you’re accused of making a mistake, even if it’s not true.

Workplace injuries

An employee slips on a wet tile floor in the spa and throws out their back. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You get into an accident on your way to provide an in-home massage for a client. Commercial auto insurance can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A candle starts a fire which causes significant damage to your spa. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Holistic & Alternative Therapy, Massage Therapist, Spa Owner

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.