Tuesday, 26 March 2024 17:21

Pamper & Protect: Spa Insurance Considerations 

Written by   Melissa Mercado

Getting insurance for a small business can be an overwhelming task. Whether a seasoned business owner or a practitioner new to the industry, here is a breakdown of some items to consider when seeking insurance for a beauty business along with key questions to ask.


Consider the nature of the business and identify the risks potentially associated with the specific type of practice. Think about what types of coverage the business requires based on the variety of services offered and size of the business. For example, the needs of a solo practitioner offering only waxing services is going to differ from a full-service day spa with 20 employees offering hair, skin, nail, and waxing services.

Explore the different options that insurance provides such as liability, property, professional liability, and business interruption insurance. Sometimes, leasing properties require certain coverage and for the landlord to be listed as an additional insured on the policy. If the business owner owns the property themselves, the bank or lienholder typically requires property insurance. Liability insurance is always a good idea for any business to protect against claims from clients; however, there are multiple types with the most common being general liability, professional liability, and product liability. If unsure about the coverage each of these offers, business owners may want to consider reaching out to an insurance company or agent for advice.

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