Spa Insurance
Customized coverage for massage therapists, estheticians, and full-service spa providers.
Spa Insurance Designed for Modern Day Spas
Spas today offer far more than massages. With new treatments and technologies launching every year, spa owners face growing complexity—and risk. From infrared saunas to chemical peels, you need an insurance policy that understands what you do.
At Insurtec, we’ve been insuring spas since 1998. We’ve seen the industry evolve, and we’ve built coverage that evolves with it. Whether you offer traditional massage or advanced skin treatments, our spa insurance policies are designed to protect everything you offer.
Why Your Spa Needs Specialized Insurance Coverage
Most general insurance policies aren’t built for spas. A standard agent might not know what a microcurrent facial is—let alone how to cover it. If a client slips on a wet floor, your policy might respond. But if a client is injured during a light therapy session or has a reaction to a chemical peel, that’s considered a professional service—and it likely won’t be covered under a generic policy.
That’s why you need spa insurance from a company that understands the services you provide and the risks you face.
General Liability Insurance for Spas
General liability insurance covers your spa for:
Slip and fall accidents
Property damage caused by your business
Libel or slander
Advertising injury claims
We also cover legal expenses related to these claims, including:
Attorney fees
Settlements and judgments
Defense costs
This is foundational coverage every spa should have—but it’s only the beginning.
Professional Liability Insurance for Spa Services
Professional liability insurance is essential for spa businesses. It covers claims that arise directly from the services you provide. For example:
A client reacts to a chemical peel
A customer claims injury from a massage or body treatment
A facial treatment causes irritation or damage
These aren’t general claims—they’re tied to your professional expertise. Without this coverage, your claim could be denied, leaving you financially exposed.
Insurtec includes this critical protection in your spa insurance package—because it’s not optional.
Services Our Spa Insurance Can Cover
Insurtec’s spa insurance is designed to protect a wide range of services, including:
Facials and skin care
Chemical peels and exfoliation
Waxing and threading
Light therapy and LED treatments
Red light and infrared sauna sessions
Body wraps and scrubs
Aromatherapy and steam therapy
Massage therapy
Microdermabrasion
Eyebrow tinting and lash lifts
Retail product sales
Have a service that’s not listed? We’ve probably covered it—and we’ll make sure you’re protected.
Property Insurance for Spas
Spa property insurance protects your physical space and assets, including:
Treatment tables and massage chairs
Facial machines and light therapy equipment
Interior build-outs and tenant improvements
Electronics, computers, and furniture
If your equipment is damaged due to fire, theft, or vandalism, we’ve got you covered. Property coverage is optional, but highly recommended for full protection.
We've Got Your Back—No Matter What
You don’t need to be at fault to face a lawsuit. Accidents happen, and even the most careful spa owners can get hit with legal claims. That’s why we’re here—to defend your spa and protect your future.
With over 30 years of experience insuring salons and spas, Insurtec understands your business and what it takes to keep it safe.
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