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From property damage resulting from vandalism, theft, or extreme weather conditions to customers suffering an injury on the premises of your spa center due to an unmarked wet floor - these are some of the risks that can land your spa center in financial and legal trouble.

And while there is a lot you can do to minimize the risks, getting your spa center protected with insurance is a great way to protect your business in the event of a more serious accident.

How Much Does Spa Insurance Cost?

The cost of spa insurance varies quite a lot. The premium you’ll be expected to pay will depend on factors like the size of your spa facility, the value of the equipment you have within, the number of staff your business employs, and other similar variables like that.

The average spa in the United States pays around $35 per month or $420 per year on general liability insurance. This policy will protect your business from claims and lawsuits related to third party injuries and property damage.

Business owner’s insurance is another popular policy, which costs around $70 per month or $840 per year. This insurance combines general liability insurance and commercial property insurance to provide your business with an added layer of protection.

Professional liability insurance is another popular policy for spa centers. You can expect to pay around $40 per month or $480 per year for such a policy, and it will provide your business with cover against accusations of negligence, fraud, and professional mistakes.

If your spa center employs any staff, worker’s compensation insurance will be needed. And that can cost you upwards of around $80 every month or around $960 per year. This insurance will provide your staff with financial cover in case they get sick or injured at their place of work. From lost wages to medical and hospital fees - the insurance company will cover it all.

What Types of Insurance Do Spas Need?

Spa centers can take advantage of various different insurance policies. Typically, the insurance your spa center needs to take out will depend on the size of the business, the state you operate out of, the number of staff you have employed, and other similar factors.

Below, you can take a better look at some of the most popular insurance policies for spa centers:

Why Do Spas Need Insurance?

There are many reasons why spa businesses can find insurance a highly beneficial investment. For one - if there is an accident on the premises of the spa facility and it ends up being quite a serious one - that can get the spa center sued.

For instance, if a member slips, trips, or falls, and ends up breaking a leg - they can claim damages by suing your spa center to recover their medical and hospital bills as well as to see compensation.

And if your spa center doesn’t have insurance - it will be the one that has to pay for it all as opposed to the insurance company. While most accidents aren’t serious and won’t lead to claims and lawsuits - if that were to happen, it can be pretty financially devastating for your business.

In some states, spa centers simply don’t have a choice and must take out insurance before they are legally allowed to serve the public.

Whatever the case might be - getting your spa center insured is a great way of protecting your financial standing in the event of an accident.

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