Spa and wellness business insurance costs vary significantly across coverage types, and understanding these differences helps you budget effectively. MoneyGeek's analysis shows monthly premiums range from $17 for workers' compensation to $156 for a business owner's policy (BOP).
How Much Does Spa/Wellness Business Insurance Cost?
Business insurance for spa and wellness companies starts at $17 per month, though your specific business details and coverage needs will determine your actual rate.
Discover cheap spa/wellness business insurance below.
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Updated: August 18, 2025
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Key Takeaways
Spa/wellness business insurance costs range from $17 to $156 monthly, depending on your coverage type.
Your spa/wellness insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable spa/wellness business insurance costs.
Average Spa/Wellness Business Insurance Cost Overall
| BOP | $156 |
| General Liability | $107 |
| Professional Liability (E&O) | $110 |
| Workers' Comp | $17 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Spa/Wellness Business Insurance Cost for General Liability Coverage by State
Your spa business insurance cost for general liability coverage depends on where you operate. Alaska offers the most savings at $88 monthly versus the $107 national average, while New York costs $125 monthly.
| Alabama | $106 |
| Alaska | $88 |
| Arizona | $102 |
| Arkansas | $103 |
| California | $119 |
| Colorado | $106 |
| Connecticut | $117 |
| Delaware | $116 |
| Florida | $116 |
| Georgia | $109 |
| Hawaii | $103 |
| Idaho | $102 |
| Illinois | $118 |
| Indiana | $105 |
| Iowa | $102 |
| Kansas | $104 |
| Kentucky | $100 |
| Louisiana | $112 |
| Maine | $93 |
| Maryland | $102 |
| Massachusetts | $112 |
| Michigan | $102 |
| Minnesota | $101 |
| Mississippi | $108 |
| Missouri | $107 |
| Montana | $107 |
| Nebraska | $101 |
| Nevada | $122 |
| New Hampshire | $107 |
| New Jersey | $122 |
| New Mexico | $108 |
| New York | $125 |
| North Carolina | $93 |
| North Dakota | $93 |
| Ohio | $100 |
| Oklahoma | $96 |
| Oregon | $100 |
| Pennsylvania | $124 |
| Rhode Island | $118 |
| South Carolina | $110 |
| South Dakota | $100 |
| Tennessee | $105 |
| Texas | $108 |
| Utah | $102 |
| Vermont | $103 |
| Virginia | $98 |
| Washington | $122 |
| West Virginia | $112 |
| Wisconsin | $105 |
| Wyoming | $99 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Spa/Wellness Business Insurance Cost for Workers’ Compensation Coverage by State
Your spa/wellness business cost for workers' compensation varies by state. Maine offers the lowest rates at $15 monthly and New York the highest at $20 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Spa/Wellness Business Insurance Cost for Professional Liability Coverage by State
Like other insurance types, your Spa/Wellness business cost for professional liability varies by state. The national average is $110 monthly, with North Carolina offering the lowest rates at $93 for E&O insurance, while Pennsylvania charges the highest at $130 monthly.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Spa/Wellness Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary widely for spa and wellness businesses across states. Monthly premiums range from $135 in North Dakota to $181 in New Jersey.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Spa/Wellness Business Insurance Cost
Insurance companies look at several factors when calculating spa and wellness business insurance costs. Understanding these pricing elements helps create more accurate budget forecasts. Let's explore what influences your premium rates.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas with extreme weather or high crime increases your risk profile, and state differences create premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.
Employee Count and Payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Different spa services carry varying risk levels. Basic facial treatments typically have lower liability rates than deep tissue massage or specialized treatments. Services using heat or chemicals, like hot stone therapy or chemical peels, face higher premiums because of increased injury risks.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A solo massage therapist earning $50,000 annually pays less than a full-service spa with $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Spa/Wellness Business Insurance
Smart business practices and strategic insurance shopping can lower your spa and wellness business insurance costs substantially, with the following proven methods offering both immediate savings and long-term premium reductions.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your spa needs prevents overpaying for unnecessary coverage. General liability protects against client injuries, while professional liability covers treatment-related claims. Property insurance safeguards your equipment and facilities.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three companies to find the best rates. Consider working with an independent agent who can compare multiple options for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, property insurance and professional liability with one carrier typically costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out of pocket for small claims, but your regular insurance payments will be lower.
- 5
Pay annually instead of monthly
Most insurance providers add processing fees for monthly payments. Paying your full premium annually eliminates these extra charges and often qualifies you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your spa business grows. Review your policies yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and services.
Insurance for Spa/Wellness Business Cost: Bottom Line
Spa/wellness business insurance costs range from $17 to $156 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Spa/Wellness Business Insurance Cost: FAQ
Our research team answers the most common questions about spa/wellness business insurance costs to help you find the right coverage at competitive rates.
What is the cheapest type of spa/wellness business insurance?
Workers' compensation costs $17 monthly for spa/wellness businesses, but only covers employee injuries. Most spa/wellness businesses need general liability coverage ($107 monthly) to protect against customer accidents and property damage claims.
How much can I save by bundling my spa/wellness business insurance policies?
Bundling multiple policies through a BOP offers the best value for spa/wellness businesses. Many insurers provide package discounts when combining essential coverages under one policy.
What factors make my spa/wellness business insurance more expensive?
General liability insurance costs around $107 per month, making it the most cost-effective coverage option for spa/wellness businesses to protect against basic third-party risks.
Several factors affect insurance costs: business location, claims history, spa/wellness specialty, staff size, service types, equipment value and credit standing.
Should I choose a $500 or $2,500 deductible for my spa/wellness business insurance?
Higher deductibles lower your monthly premiums, but require more out-of-pocket costs when filing claims. Consider your available cash reserves and claim frequency when choosing.
How much does workers' compensation cost for spa/wellness businesses by state?
Monthly workers' compensation costs for spa and wellness businesses vary by location, from $15 monthly in Maine to $20 monthly in New York, with most states averaging $16 to $19.
Is business owner's policy (BOP) worth the extra cost for spa/wellness companies?
A business owner's policy costs $156 per month on average and bundles essential coverage types into one package. This comprehensive protection delivers more value than purchasing individual policies separately.
How often should I shop around for spa/wellness business insurance quotes?
Comparing insurance quotes annually during renewal helps you find better rates. Request estimates from multiple insurers to secure the best coverage, particularly when your business evolves.
How We Determined Spa/Wellness Business Insurance Costs
We collected spa/wellness business insurance quotes from companies across different states. To make sure we compared apples to apples, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small spa/wellness businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.