Simply Business earned our top spot for spa company insurance due to its affordability and comprehensive coverage. We also recommend comparing quotes from NEXT, The Hartford and Coverdash.
Best Spa Business Insurance
Our research shows that Simply Business, NEXT and The Hartford provide the best and cheapest business insurance for spa and wellness companies.
Discover affordable business insurance for spa companies below.
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Updated: October 24, 2025
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Key Takeaways
Simply Business is the best business insurance company for spa firms because it offers the greatest balance of affordability and coverage.
The cheapest overall commercial insurance provider for spa businesses is Simply Business, with low monthly rates for various coverage types.
To shop for business insurance for your spa business, assess the risks in your industry, consult agents and other similar organizations, and compare multiple options.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Business Insurance for Spa Companies
| Simply Business | 94 | 98 | 83 |
| NEXT | 92 | 89 | 94 |
| The Hartford | 92 | 90 | 91 |
| Coverdash | 90 | 90 | 83 |
| Nationwide | 86 | 80 | 91 |
| Chubb | 86 | 81 | 87 |
| Progressive Commercial | 85 | 86 | 81 |
| Hiscox | 85 | 84 | 87 |
| biBerk | 85 | 80 | 91 |
| Thimble | 84 | 84 | 81 |
*All scores were based on a spa business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. Simply Business
pros
Cheapest general liability coverage
Most affordable BOP pricing
Multiple carriers in one platform
cons
Service depends on matched insurer
COMPANY HIGHLIGHTS
Simply Business takes the top spot for spa and wellness providers with the lowest average prices across multiple policy types. The platform delivers general liability coverage for $20 per month and BOP insurance for $30 monthly.
As a broker, Simply Business connects you with various carriers and helps you compare options. This flexibility works well for day spas, estheticians and wellness studios with diverse needs. Claims and support quality vary depending on the insurer you choose through the platform.
2. NEXT
pros
High customer satisfaction score
Fast and easy online setup
Competitive workers' comp pricing
cons
Above-average general liability rates
COMPANY HIGHLIGHTS
NEXT ranks highly for spa and wellness business owners who want fast coverage and strong support. The company offers workers' comp at $9 per month and provides competitive rates on professional liability and BOP plans. NEXT works well for solo massage therapists, yoga instructors and small wellness collectives.
With a 4.7-star average rating, NEXT stands out for its intuitive interface and smooth policy management. General liability premiums run higher than Simply Business, but the streamlined service compensates for many users.
3. The Hartford
pros
Lowest-cost professional liability coverage
Excellent financial stability (A+ AM Best)
Comprehensive commercial policy options
cons
Less tailored for solo providers
COMPANY HIGHLIGHTS
The Hartford is the best option for spa and wellness providers prioritizing professional liability coverage. It offers the lowest average cost at $98 per month and excels for full-service wellness centers and med spas where liability concerns run higher.
The Hartford holds an A+ rating from AM Best, signaling excellent claims reliability and financial strength. Its robust BOP and commercial auto offerings make it a solid fit for growing businesses with multiple practitioners or treatment rooms. While not always the cheapest for basic liability, it's built for long-term coverage needs.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Cheapest Business Insurance for Spa Firms
Based on our analysis of business insurance pricing, Simply Business offers the cheapest overall commercial insurance for spa companies across most policy types. These rates apply only to spa companies with two employees, and you may find lower rates elsewhere.
Cheapest General Liability Insurance for Spa/Wellness Companies
With an average monthly rate of $20, Simply Business offers the lowest-cost general liability insurance for spa companies. Also, consider getting quotes from the other affordable insurers: Coverdash and NEXT.
| Simply Business | $20 | $240 |
| Coverdash | $74 | $890 |
| NEXT | $89 | $1,074 |
| The Hartford | $89 | $1,069 |
| Progressive Commercial | $107 | $1,285 |
| Thimble | $114 | $1,372 |
| Hiscox | $117 | $1,406 |
| Chubb | $132 | $1,582 |
| Nationwide | $164 | $1,973 |
| biBerk | $177 | $2,126 |
Cheapest Workers' Comp Insurance for Spa Companies
For spa businesses shopping for workers' comp insurance, Thimble is the most affordable insurer at $7 per month or $89 yearly. Still, check quotes from other low-cost insurers like Hiscox, Progressive Commercial, Simply Business and The Hartford.
| Thimble | $7 | $89 |
| Hiscox | $8 | $100 |
| Progressive Commercial | $8 | $96 |
| Simply Business | $8 | $100 |
| The Hartford | $8 | $101 |
| biBerk | $9 | $105 |
| Coverdash | $9 | $102 |
| Nationwide | $9 | $112 |
| NEXT | $9 | $104 |
| Chubb | $10 | $120 |
Cheapest Professional Liability Insurance for Spa Companies
The Hartford offers the most affordable professional liability insurance for spa companies at $98 monthly. Compare prices from other low-cost providers like NEXT, Progressive Commercial and Simply Business.
| The Hartford | $98 | $1,173 |
| NEXT | $103 | $1,234 |
| Progressive Commercial | $105 | $1,256 |
| Hiscox | $109 | $1,310 |
| Simply Business | $109 | $1,307 |
| Thimble | $110 | $1,319 |
| Coverdash | $111 | $1,335 |
| biBerk | $114 | $1,363 |
| Nationwide | $118 | $1,416 |
| Chubb | $128 | $1,532 |
Cheapest BOP Insurance for Spa Companies
Simply Business provides the most affordable business owner's policy (BOP) coverage for spa companies at $358 yearly for bundled general liability and property protection. That's roughly $927 in annual savings compared to Coverdash, the second most affordable option.
| Simply Business | $30 | $358 |
| Coverdash | $107 | $1,285 |
| The Hartford | $114 | $1,363 |
| NEXT | $129 | $1,551 |
| Progressive Commercial | $160 | $1,918 |
| Hiscox | $176 | $2,113 |
| Thimble | $181 | $2,170 |
| Chubb | $198 | $2,373 |
| biBerk | $230 | $2,754 |
| Nationwide | $247 | $2,968 |
What Type of Coverage Do You Need for a Spa Business?
Companies with employees must carry workers' comp insurance in most states, and businesses using vehicles need commercial auto coverage. Many clients and contracts also require general liability insurance before starting work. Some industries need surety bonds, especially when contracts require service guarantees or compliance.
RECOMMENDED SPA/WELLNESS BUSINESS COVERAGE
General liability insurance covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance protects businesses that work under client contracts or provide specialized services. This coverage helps companies offering specialized services or handling large contracts with higher dispute risk.
Coverage Recommendations by Spa Company Type
Here is a visual breakdown of spa services by risk level and coverage needs, starting with those facing the highest liability exposure.
Spa/Wellness Company Type | Coverage Types Recommendation | Most Common Insurance Claims | Most Common Reasons For Litigation |
|---|---|---|---|
Med Spas & Aesthetic Clinics | Professional Liability (high limits), General Liability, BOP, Workers’ Comp, Cyber Liability, Commercial Property, Umbrella Policy ($2M+) | Burns, scarring, infections from cosmetic procedures, employee injury, HIPAA/data breaches | Medical malpractice suits, permanent damage claims, wage disputes, client privacy violations |
Massage Therapy Clinics (Multi-practitioner) | General Liability, Professional Liability, Workers’ Comp, BOP, Abuse & Molestation Coverage, Umbrella Policy | Physical injury, inappropriate conduct claims, slip-and-falls, therapist injuries | Allegations of misconduct, improper technique lawsuits, workplace injury claims |
Wellness Centers Offering Multiple Services (e.g., yoga, acupuncture, massage) | General Liability, Professional Liability, Workers’ Comp, Commercial Property, Product Liability (if retail), Umbrella Policy | Physical injuries during classes or treatments, allergic reactions, theft/damage | Injury lawsuits, supplement/product liability, premises liability from slips or equipment failure |
Independent Estheticians or Beauty Therapists | General Liability, Professional Liability, Business Personal Property, Tools & Equipment, Cyber Liability (optional) | Burns, skin irritation, allergic reactions, equipment theft or malfunction | Client injury or damage lawsuits, complaints over product reactions, social media claims |
Solo Massage Therapists | General Liability, Professional Liability, Inland Marine (if mobile), Workers’ Comp (if hiring), Abuse & Molestation Coverage | Muscle strain, boundary complaints, table/equipment damage, client falls | Injury or misconduct lawsuits, breach of client consent, property damage disputes |
Yoga and Fitness Instructors (Independent) | General Liability, Professional Liability, Business Personal Property, BOP (optional) | Muscle injuries, improper instruction, equipment issues | Lawsuits over strain or injury, negligence claims, verbal misconduct allegations |
How to Get the Best Cheap Business Insurance for Your Spa Company
Here's a step-by-step method for finding the best and cheapest business insurance for your spa company.
- 1Decide on coverage needs before buying
Consider risks specific to your business, get advice from similar businesses, talk to agents and research business insurance types. This gives you an idea of your coverage needs.
- 2Research costs
Research average costs for your business to identify insurers offering the cheapest rates. This shows how much you're saving when comparing quotes and which companies to start with.
- 3Look into company reputations and coverage options
Check what customers say on online rating sites and forums for a comprehensive look at company services. Research coverage options to make sure you're covered for the right items.
- 4Compare multiple quotes through different means
Compare quotes for coverage through various methods: captive agents, comparison sites, company websites or independent agents. Pricing differs by comparison method.
- 5Reassess annually
Your business situation changes, influencing your rates and coverage needs. Repeat these steps annually to keep the best deal.
How to Decrease Your Spa Business's Liability Risk
Reducing liability risks helps spa and wellness businesses manage insurance costs effectively. We've organized risk mitigation strategies by business type to help you find the best approach.
Spa/Wellness Risk Type | Included Types of Spa/Wellness Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Med spas, aesthetic clinics, multi-practitioner massage clinics | Require medical oversight for advanced treatments and maintain detailed client intake/consent forms. Enforce infection control protocols and proper licensure. Invest in HIPAA-compliant software and train staff in client confidentiality and misconduct prevention. |
Moderately High | Wellness centers with multiple services, mobile massage providers, solo therapists offering hands-on treatments | Maintain clear scope-of-practice boundaries and service disclaimers. Document all treatments and client preferences. Use insured equipment and maintain safe sanitation standards. Ensure appropriate abuse/molestation coverage where applicable. |
Moderate | Estheticians, independent beauty providers, massage therapists with fixed locations | Perform patch tests for new products. Use signed liability waivers and pre-service consultations. Keep tools/equipment clean and insured. Have coverage for property damage and bodily injury. |
Moderately Low | Yoga instructors, fitness trainers operating in shared or rented spaces | Use waivers and verbal screening before physical sessions. Demonstrate safe posture guidance and offer modifications. Ensure the teaching space is hazard-free and class sizes are appropriate. |
Lowest | Online wellness coaches, solo instructors with no physical contact | Include disclaimers that coaching is not medical advice. Use secure communication tools and limit claims with clear service boundaries. Maintain basic professional liability and cyber coverage for peace of mind. |
Best Insurance for Spa Business: Bottom Line
Simply Business is the best insurer for spa business insurance and also offers the cheapest option overall. We recommend checking pricing from NEXT, The Hartford and Coverdash. For the best deal, consult agents, research providers and pricing, and compare multiple quotes.
Spa/Wellness Business Insurance: FAQ
Explore common questions about business insurance for spa and wellness companies in the following section.
Who offers the best spa business insurance overall?
Simply Business offers the best business insurance for spa companies with a MoneyGeek score of 94 out of 100, excelling in affordability and coverage. NEXT follows closely with strong customer service and a score of 92.
Who has the cheapest business insurance for spa companies?
Here are the cheapest business insurance companies for spa companies by coverage type:
- Cheapest general liability insurance: Simply Business at $20 per month
- Cheapest workers' comp insurance: Thimble at $7 per month
- Cheapest professional liability insurance: The Hartford at $98 per month
- Cheapest BOP insurance: Simply Business at $30 per month
What business insurance is required for spa organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for spa businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does spa business insurance cost?
Business insurance costs for spa and wellness companies vary widely depending on your services, team size, and risk exposure. Based on quotes for businesses with two employees, here are the average monthly costs:
- General Liability: $20 per month
- Workers' Comp: $7 per month
- Professional Liability: $98 per month
- BOP Insurance: $30 per month
How We Chose the Best Spa Business Insurance
We identified the top business insurance providers for spa companies using the following criteria:
- Affordability (50% of score): Companies with lower costs compared to competitors, based on our standard profile across four core coverage types, earned higher scores.
- Customer service (30% of score): We evaluated customer satisfaction using industry research, online reviews, and public sentiment from forums such as Reddit.
- Coverage (15% of score): This score reflects the range of coverage options available, along with payment flexibility and overall policy features.
- Financial stability (5% of score): We used financial strength ratings from agencies like AM Best and Moody’s to assess how well each insurer can pay claims compared to others in the market.
All pricing in this analysis is based on the following standard business profile, which represents most small businesses nationwide:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 29, 2025.
- NEXT. "Customer Reviews." Accessed June 29, 2025.