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: December 1, 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 |
*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.
General liability insurance costs differ by state. Alaska spa owners pay $88 monthly, the lowest in the nation, compared to the $107 national average. New York reaches $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 |
*These rates reflect spa and wellness businesses with two employees. Your actual costs depend on your state, claims history and service offerings.
Workers' compensation insurance costs for spa and wellness businesses range from $15 to $20 monthly.
| 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 |
*These rates reflect businesses with two employees. Your actual workers' comp costs depend on your state.
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 |
*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.
Business owner's policy (BOP) premiums for spa and wellness businesses range from $127 in Alaska to $181 in New Jersey. That $54 monthly gap means New Jersey spa owners pay $648 more annually than Alaska spa owners for identical coverage.
California, New York and Pennsylvania also rank among the most expensive states, with monthly premiums above $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 |
*These rates reflect businesses with two employees. Your costs depend on your business size, location and coverage needs.
Spa and wellness business insurance costs differ by provider. Simply Business charges $44 monthly, while Nationwide costs $140. Provider rates reflect each insurer's underwriting approach and target market.
| 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 market conditions impact 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 carry much more risk.
Therapists and estheticians face ergonomic injury risks from repetitive motions. 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 earning $90,000 annually operate differently than destination spas earning $600,000 or more.
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 covers slip-and-falls in wet areas and property damage. Add product liability if you sell skincare or supplements.
You'll also need sexual misconduct coverage, property insurance for equipment and inventory, cyber liability for client records and workers' compensation for employee injuries.
Spa insurance rates depend on your services. Medical spas with injectables and lasers pay more than day spas offering massage and facials. Insurers specializing in wellness businesses understand industry licensing requirements and treatment risks better than general carriers.
Combining professional liability, general liability and property coverage saves 17% to 26%. Many insurers offer spa packages that include sexual misconduct and product liability coverage.
Property deductibles of $1,000 to $2,500 reduce premiums by 18% to 25% for spas with standard equipment. Keep professional liability deductibles low since treatment injury claims escalate quickly, with defense costs of $40,000 to $80,000.
Monthly installment plans add 5% to 10% in processing fees. On a $5,000 spa policy, that's $250 to $500 extra annually. Paying annually eliminates these fees and earns you a 6% to 9% discount from wellness carriers.
Review your policy when you add practitioners, expand into medical aesthetics like Botox or microneedling, or buy expensive equipment like cryotherapy chambers or infrared saunas. Advanced certifications, client intake protocols and enhanced sanitation procedures 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 11% more in California and 17% more in New York compared to national averages.
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.
Costs increase because of specialized equipment, higher liability exposure from treatments, larger staff sizes and poor business credit.
Choose $500 if you have limited cash reserves or expect frequent small claims.
Workers' compensation costs range from $15 monthly in Maine to $20 monthly in New York.
Yes, BOP insurance is worth it for spa and wellness companies.
Shop annually when your policy renews.
Spa and wellness businesses face unique insurance challenges. Treatment injuries from hot stones or chemical peels, slip-and-falls in wet areas and specialized equipment all create liability exposure that varies dramatically from standard retail shops. We designed our methodology to reflect what most spa owners actually need.
We gathered quotes from insurers serving the spa and wellness industry across all 50 states. Every quote used identical business parameters for accurate rate comparisons:
We prioritized insurers offering broad national coverage and online quotes. This business profile represents a small spa requiring comprehensive protection without medical spa services like injectables or laser treatments, which increase premiums.
How to use these rates: If your spa has more employees, higher revenue or offers medical aesthetics, expect to pay more. These baseline rates help you spot which insurers offer competitive pricing for your specific situation.
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.
