Spa/wellness business insurance averages $98 monthly, with costs ranging from $15 to $181 based on coverage types and location.
Get matched with cheap spa/wellness business insurance below.
Updated: October 22, 2025
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Spa/wellness business insurance costs range from $180 to $2,176 annually, depending on coverage type, state and sub-industry.
Your spa/wellness insurance premiums depend on location, claims history, types of services offered and total employee count.
Shop multiple business insurers, bundle coverage, raise deductibles and pay annually to reduce spa/wellness insurance costs.
We found average business insurance costs for spa/wellness companies for commonly needed coverage are as follows:
| BOP | $156 | $1,874 |
| General Liability | $107 | $1,281 |
| Professional Liability (E&O) | $110 | $1,322 |
| Workers' Comp | $17 | $209 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your spa/wellness business cost for general liability insurance varies by location. Alaska offers the best value at $88 monthly compared to the $107 national average, while New York runs $125 monthly.
| Alabama | $106 | $1,271 |
| Alaska | $88 | $1,059 |
| Arizona | $102 | $1,220 |
| Arkansas | $103 | $1,234 |
| California | $119 | $1,433 |
| Colorado | $106 | $1,276 |
| Connecticut | $117 | $1,398 |
| Delaware | $116 | $1,393 |
| Florida | $116 | $1,393 |
| Georgia | $109 | $1,307 |
| Hawaii | $103 | $1,238 |
| Idaho | $102 | $1,220 |
| Illinois | $118 | $1,412 |
| Indiana | $105 | $1,255 |
| Iowa | $102 | $1,225 |
| Kansas | $104 | $1,250 |
| Kentucky | $100 | $1,196 |
| Louisiana | $112 | $1,342 |
| Maine | $93 | $1,116 |
| Maryland | $102 | $1,228 |
| Massachusetts | $112 | $1,350 |
| Michigan | $102 | $1,219 |
| Minnesota | $101 | $1,207 |
| Mississippi | $108 | $1,293 |
| Missouri | $107 | $1,282 |
| Montana | $107 | $1,281 |
| Nebraska | $101 | $1,217 |
| Nevada | $122 | $1,459 |
| New Hampshire | $107 | $1,280 |
| New Jersey | $122 | $1,458 |
| New Mexico | $108 | $1,294 |
| New York | $125 | $1,495 |
| North Carolina | $93 | $1,116 |
| North Dakota | $93 | $1,119 |
| Ohio | $100 | $1,194 |
| Oklahoma | $96 | $1,152 |
| Oregon | $100 | $1,195 |
| Pennsylvania | $124 | $1,482 |
| Rhode Island | $118 | $1,414 |
| South Carolina | $110 | $1,325 |
| South Dakota | $100 | $1,203 |
| Tennessee | $105 | $1,255 |
| Texas | $108 | $1,298 |
| Utah | $102 | $1,225 |
| Vermont | $103 | $1,236 |
| Virginia | $98 | $1,172 |
| Washington | $122 | $1,463 |
| West Virginia | $112 | $1,350 |
| Wisconsin | $105 | $1,263 |
| Wyoming | $99 | $1,190 |
Note: We based these general liability rates on spa/wellness businesses with two employees across different states. Your rates will vary based on your location, claims history and the services you provide.
Workers' compensation insurance rates for spa and wellness businesses differ across states. Maine provides the most affordable coverage at $15 monthly, while New York reaches $20 monthly. State regulations and regional claim patterns drive these rates.
| Alabama | $17 |
| Alaska | $16 |
| Arizona | $16 |
| Arkansas | $17 |
| California | $19 |
| Colorado | $17 |
| Connecticut | $19 |
| Delaware | $19 |
| Florida | $19 |
| Georgia | $18 |
| Hawaii | $18 |
| Idaho | $16 |
| Illinois | $19 |
| Indiana | $17 |
| Iowa | $16 |
| Kansas | $17 |
| Kentucky | $16 |
| Louisiana | $20 |
| Maine | $15 |
| Maryland | $17 |
| Massachusetts | $18 |
| Michigan | $17 |
| Minnesota | $16 |
| Mississippi | $18 |
| Missouri | $17 |
| Montana | $17 |
| Nebraska | $16 |
| Nevada | $20 |
| New Hampshire | $17 |
| New Jersey | $20 |
| New Mexico | $18 |
| New York | $20 |
| North Carolina | $15 |
| Oklahoma | $16 |
| Oregon | $16 |
| Pennsylvania | $20 |
| Rhode Island | $19 |
| South Carolina | $18 |
| South Dakota | $16 |
| Tennessee | $17 |
| Texas | $18 |
| Utah | $17 |
| Vermont | $17 |
| Virginia | $16 |
| West Virginia | $18 |
| Wisconsin | $17 |
Note: We based these workers' comp rates on spa/wellness businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
State location affects your professional liability cost. Business owners pay $110 monthly nationwide on average. North Carolina offers the most affordable rates at $93 monthly, while Pennsylvania ranks highest at $130 monthly for this essential coverage.
| Alabama | $109 |
| Alaska | $102 |
| Arizona | $104 |
| Arkansas | $105 |
| California | $123 |
| Colorado | $109 |
| Connecticut | $119 |
| Delaware | $117 |
| Florida | $118 |
| Georgia | $110 |
| Hawaii | $115 |
| Idaho | $104 |
| Illinois | $122 |
| Indiana | $105 |
| Iowa | $108 |
| Kansas | $109 |
| Kentucky | $105 |
| Louisiana | $125 |
| Maine | $95 |
| Maryland | $104 |
| Massachusetts | $114 |
| Michigan | $104 |
| Minnesota | $105 |
| Mississippi | $109 |
| Missouri | $111 |
| Montana | $109 |
| Nebraska | $104 |
| Nevada | $126 |
| New Hampshire | $109 |
| New Jersey | $129 |
| New Mexico | $110 |
| New York | $127 |
| North Carolina | $93 |
| North Dakota | $96 |
| Ohio | $101 |
| Oklahoma | $103 |
| Oregon | $102 |
| Pennsylvania | $130 |
| Rhode Island | $121 |
| South Carolina | $114 |
| South Dakota | $104 |
| Tennessee | $108 |
| Texas | $110 |
| Utah | $105 |
| Vermont | $106 |
| Virginia | $99 |
| Washington | $127 |
| West Virginia | $115 |
| Wisconsin | $107 |
| Wyoming | $102 |
Note: We based these professional liability rates on spa/wellness businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Your spa and wellness business insurance costs depend heavily on your state, with business owner's policy premiums varying across the country. BOP insurance cost ranges from $127 in Alaska to $181 in New Jersey for the same coverage levels.
This $54 monthly difference translates to $648 more per year for New Jersey spa owners compared to their Alaskan counterparts. States like California, New York and Pennsylvania also fall on the higher end, with monthly premiums exceeding $175.
| Alabama | $155 |
| Alaska | $127 |
| Arizona | $150 |
| Arkansas | $151 |
| California | $175 |
| Colorado | $153 |
| Connecticut | $171 |
| Delaware | $166 |
| Florida | $169 |
| Georgia | $156 |
| Hawaii | $154 |
| Idaho | $153 |
| Illinois | $169 |
| Indiana | $153 |
| Iowa | $153 |
| Kansas | $152 |
| Kentucky | $145 |
| Louisiana | $160 |
| Maine | $139 |
| Maryland | $150 |
| Massachusetts | $163 |
| Michigan | $149 |
| Minnesota | $147 |
| Mississippi | $153 |
| Missouri | $155 |
| Montana | $157 |
| Nebraska | $150 |
| Nevada | $179 |
| New Hampshire | $156 |
| New Jersey | $181 |
| New Mexico | $158 |
| New York | $179 |
| North Carolina | $137 |
| North Dakota | $135 |
| Ohio | $148 |
| Oklahoma | $139 |
| Oregon | $147 |
| Pennsylvania | $180 |
| Rhode Island | $168 |
| South Carolina | $164 |
| South Dakota | $146 |
| Tennessee | $155 |
| Texas | $158 |
| Utah | $152 |
| Vermont | $150 |
| Virginia | $144 |
| Washington | $181 |
| West Virginia | $161 |
| Wisconsin | $152 |
| Wyoming | $145 |
Note: We based these BOP rates on spa/wellness businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Spa/Wellness business insurance costs vary widely by provider, ranging from $44 per month with Simply Business to $140 monthly through Nationwide. These price differences reflect each insurer's market focus and risk assessment strategies, which shift over time based on profitability and coverage expansion opportunities.
| Chubb | $121 | $1,453 |
| Coverdash | $79 | $944 |
| Hiscox | $107 | $1,283 |
| NEXT Insurance | $84 | $1,008 |
| Nationwide | $140 | $1,676 |
| Progressive Commercial | $99 | $1,184 |
| Simply Business | $44 | $532 |
| The Hartford | $80 | $956 |
| Thimble | $107 | $1,287 |
| biBERK | $137 | $1,643 |
Spa and wellness business insurance costs vary based on multiple factors insurers review when determining your premium rates.
Local competition and market sophistication influence both client expectations and claim patterns. Spas in affluent areas with discerning clientele often have different liability scenarios than those serving budget-conscious markets.
Burns from hot stones, allergic reactions to products and slip-and-falls in wet areas generate claims. Any history of client injuries or treatment complications remains visible to insurers and elevates what you'll pay at renewal time.
Day spas offering basic facials and massage carry straightforward risk profiles. Full-service wellness centers with pools, saunas, hydrotherapy and medical spa services have substantially more exposure across multiple treatment categories.
Therapists and estheticians performing repetitive motions have ergonomic injury risks over time. Each practitioner, receptionist and maintenance worker expands your workers' comp footprint, with premiums calculated on total wages and job classifications.
Traditional massage and skincare treatments represent baseline risk for wellness businesses. Adding injectables, laser treatments, body contouring or any medical-grade procedures dramatically increases professional liability due to potential complications.
Treatment volume and annual sales reflect how many client interactions could potentially result in claims. Intimate studios seeing 20 clients weekly for $90,000 annually operate quite differently than destination spas booking 150+ treatments daily and earning $600,000.
Professional liability protects against treatment errors while general liability covers premises accidents. Most spas maintain $1 million per occurrence, though facilities offering medical services or located in upscale markets often choose $2 million for breathing room.
Treatment tables, skincare devices and water features require adequate property coverage. Luxury spas with advanced laser systems, custom build-outs and high-end furnishings need substantially more protection than basic massage studios.
Professional licenses and continuing education demonstrate competence to insurance underwriters. Facilities employing licensed practitioners with proper certifications and documented training protocols secure better rates than those with minimal credentialing standards.
Reducing the cost of your spa or wellness business insurance requires thoughtful comparison shopping and solid risk management. Use our guide to find cheap coverage and position your business for better rates over time.
Spa and wellness businesses need professional liability for treatment injuries like burns from hot stones or allergic reactions, general liability for slip-and-falls in wet areas and property damage and product liability if you sell skincare or supplements.
Add sexual misconduct coverage despite proper protocols, property insurance for equipment and inventory, cyber liability for client records and workers compensation for repetitive strain injuries.
Spa insurance rates vary based on services offered. Medical spas with injectables and lasers cost more than day spas offering massage and facials. Wellness-focused insurers understand licensing requirements, treatment-specific risks, and sanitation standards better than general carriers.
Combining professional liability, general liability, and property coverage saves 17% to 26% compared to purchasing separately. Many insurers offer spa packages that include sexual misconduct and product liability at reduced bundle rates.
Higher property deductibles of $1,000 to $2,500 can reduce premiums by 18% to 25%, which works for spas with standard equipment. Keep professional liability deductibles low since treatment injury claims or adverse reactions can escalate quickly, with defense costs reaching $40,000 to $80,000.
Monthly installment plans add 5% to 10% in processing fees, which on a $5,000 spa policy costs $250 to $500 extra annually. Paying annually eliminates these charges and earns 6-9% discounts from wellness carriers.
Review your policy whenever you add practitioners, expand into medical aesthetics like Botox or microneedling, or invest in expensive equipment like cryotherapy chambers or infrared saunas. If you've obtained advanced certifications, implemented client intake protocols, or enhanced sanitation procedures, these improvements can qualify for premium discounts.
The average spa or wellness business insurance cost ranges from $15 to $181 monthly, depending on location, claims record and business size. Getting quotes from multiple insurers and adjusting your coverage options can help you find the best affordable rate.
Spa and wellness business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers' compensation is the most affordable at $17 monthly, but it only covers employee injuries. Most Spa/Wellness businesses need general liability coverage ($107 monthly) for protection against customer accidents and property damage claims.
You'll pay more in these states. General liability in California runs $119 monthly (versus $107 national average), and BOP costs $175 monthly (versus $156 average). New York is similar at $125 and $179, respectively.
Combining multiple policies with one insurer delivers greater savings than purchasing coverage separately. Insurance companies provide discounts when you bundle general liability, commercial property and commercial auto insurance together.
Premium costs increase due to multiple risk factors: expensive specialized equipment, higher liability exposure from treatments, larger staff sizes, previous insurance claims, prime location expenses and poor business credit history.
Higher deductibles reduce monthly premiums, though you'll have larger out-of-pocket expenses during claims. Consider your available cash reserves and anticipated claim frequency when deciding.
Workers' compensation costs for spa and wellness businesses vary by state, spanning from $15 monthly in Maine to $20 monthly in New York.
Yes, BOP insurance is worth it for spa and wellness companies. At $156 monthly, BOP packages general liability, commercial property, and business interruption coverage together, delivering better value and simplicity than purchasing separate policies.
Shop annually when your policy renews. Compare quotes from multiple insurers to find savings, especially after adding employees or expanding services to your spa business.
We collected spa/wellness business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small spa/wellness business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the spa/wellness industry.
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.
