Best Spa/Wellness Business Insurance

Simply Business earns our top recommendation for spa business insurance with a MoneyGeek score of 4.70 out of 5. Whether you run a day spa, med spa or wellness center, it offers competitive rates and comprehensive coverage options that provide spa establishment financial protection without straining your budget. NEXT and The Hartford also offer coverage tailored to spa owners' unique needs.

Note: We based all scores on a spa and wellness business with two employees across professional liability, general liability, workers' comp and BOP policies.

Simply Business offers the cheapest spa business insurance overall at $44 monthly ($532 annually), ranking first for general liability ($20 monthly) and BOP coverage ($30 monthly). NEXT Insurance leads for workers' comp at $16 monthly, while The Hartford offers the lowest professional liability rates at $98 monthly for med spas.

Simply Business offers the cheapest general liability insurance for spa owners at $20 monthly ($238 annually). Med spas can cut general liability costs by 81% with Simply Business while maintaining comprehensive coverage for client injuries and property damage claims.

NEXT Insurance provides the cheapest workers' comp insurance for spa businesses at $16 monthly ($195 annually). Wellness centers and day spas save $12 annually compared to the $209 industry average. The Hartford, Progressive Commercial and Thimble offer similarly competitive rates for spa owners protecting employees from workplace injuries.

The Hartford leads professional liability coverage for spa businesses at $98 monthly ($1,171 annually), offering the cheapest professional liability insurance available. That saves med spas and wellness centers 11% compared to the $110 industry average. NEXT Insurance provides another budget-friendly option at $102 monthly for protection against treatment-related claims.

Day spas and wellness centers bundling liability with property coverage pay just $30 monthly ($354 annually) with Simply Business for the cheapest business owners' policy available. That's $126 less per month than the $156 industry average, making it the most cost-effective way for spa owners to protect treatment rooms, equipment and client operations.

Spa business insurance costs vary by coverage type. Here's what spa owners pay for the four most common policies:

• General Liability: $107 on average per month, ranging from $88 to $125, depending on the state
• Workers' Comp: $17 on average per month, ranging from $15 to $20, depending on the state
• Professional Liability (E&O): $110 on average per month, ranging from $93 to $130, depending on the state
• BOP Insurance: $156 on average per month, ranging from $127 to $181, depending on the state

Most states require workers' compensation once you hire employees, and landlords won't lease you spa space without general liability coverage. Beyond these required coverage for day and medical spas, you'll want professional liability for treatment-related claims and property insurance to protect your equipment.

• Workers' Compensation Insurance: Your massage therapist throws out their back during a deep tissue session, your esthetician burns their hand on a wax warmer, or staff slips on wet tile near the hydrotherapy room. Workers' comp covers medical bills and lost wages for workplace injuries. Most states require this once you have employees, and skipping it means steep fines plus paying injury costs out of pocket. Limits follow state statutory requirements.
• General Liability Insurance: Covers client injuries like slipping out of your steam room, burns during hot stone massages or allergic reactions to massage oil. You'll need this to sign your lease and book corporate wellness contracts. Most spa owners carry $1 million per occurrence with $2 million aggregate.
• Professional Liability Insurance: Protects against treatment claims like chemical peels causing scarring, massages worsening back pain, or Botox complications. Med spas offering injectables, laser hair removal or fillers need $1 million per claim with $3 million aggregate. Day spas should carry at least $1 million per occurrence for massage therapy, facials and body treatments.
• Commercial Property Insurance: Your laser equipment costs $50,000 to $175,000, plus massage tables, facial steamers, product inventory and décor. This protects your assets from fire, theft or water damage, and covers lost income if you close temporarily. Match coverage limits to your total equipment and inventory replacement costs.
• Business Owner's Policy: Bundles general liability and property coverage at lower cost. Perfect for spas with multiple treatment rooms, reception areas and retail displays. Most spa owners choose $1 million per claim and $2 million total liability coverage, with property limits matching equipment and inventory value.
• Commercial Auto Insurance: Need this if you run mobile spa services for events, make supply runs or transport products. Personal policies exclude business use. Most spa owners carry $500,000 to $1 million per occurrence for medical expenses and property damage.
• Cyber Liability Insurance: Your spa stores client credit cards, contact info and appointment histories. Med spas also handle health records subject to HIPAA. A breach means client notifications, credit monitoring and potential fines. Most wellness centers carry $1 million in coverage.

Finding affordable coverage for your day spa or wellness center starts with understanding how to get business insurance that matches your specific treatment offerings and risk profile.

Simply Business offers the best spa business insurance with competitive rates starting at $44 monthly and a MoneyGeek score of 4.70. Spa owners get multiple quotes from top carriers for general liability, workers' comp, professional liability and property coverage, among other coverage types. Compare options for your day spa or wellness center in one place.

We answer frequently asked questions about spa and wellness business insurance:

We selected the best business insurer for day and medical spas based on the following criteria:

• Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better the company performs.
• Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
• Coverage (15% of score): We scored business insurance providers for this category based on the flexibility, payment and actual coverage options.
• Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely companies are to pay out claims compared to the competition.

All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:

• 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