Spas are a complex businesses. Every year, new services become popular and spa owners must assess everything out there to decide what’s going to work in their spa. One of the most difficult things to find is an insurance policy that can cover all the services you offer. When it comes to spa insurance, we have you covered. We’ve been offering insurance coverage for spas since 1998 and have seen every service out there.
Spa Insurance Liability Coverage
Spa liability insurance protects you against when someone claims to have been injured in your spa. This is a regular business claim, like a slip and fall, or related directly to the services you offer.
Why Do You Need Specialized Spa Insurance?
If you need coverage for your spa, you can go to an agent that sells regular insurance. You’ll get a regular insurance policy from someone who has probably never heard of an infrared sauna. The coverage will most likely work OK for a slip and fall or slander claim. But what if one of your clients is injured during a treatment? The truth is your claim will be denied without specialized coverage.
General Liability Insurance
Our policy will cover your professional services for bodily injuries, property damage, libel, and advertising claims. Our spa insurance also covers common claims such as slip and fall and dissatisfaction with service.
In these cases, spa insurance will cover legal expenses such as settlements or judgments, attorney fees, and court costs.
Professional Liability Insurance
This coverage is the glue that holds the whole spa insurance package together. While many carriers offer affordable general liability coverage, few offer professional liability insurance. Professional liability insurance specifically covers the services you offer, like microdermabrasion or light therapy.
If you are sued because a client claims they were burned by a chemical peel, general liability insurance would not cover that situation. A regular business policy would tell you that you are on your own. That’s because chemical peels are part of your professional services. However, the professional liability coverage in our policy fixes this problem, giving you total coverage.
Spa property insurance covers any equipment or build-out you may have. If your equipment is damaged by theft, fire or vandalism, you’re covered. Property coverage is optional.
Remember, just because you haven’t had a claim or would never intentionally do something wrong, you can still get sued. Insurtec is here for you every step of the way to defend you.