Day Spa Insurance in Massachusetts

What is Day Spa Insurance?

Operating a day spa requires a substantial investment, and this investment ought to be safeguarded whenever possible. Day spa insurance can help protect the investments that are made in Massachusetts spas from a variety of liability and property perils.

Day spa insurance is specialized commercial insurance for day spa businesses. Most policies are underwritten as package policies, so they can safeguard businesses from multiple perils that spas face.

What Massachusetts Spas Should Carry Salon Spa Insurance?

Most salons and day spas located in Massachusetts ought to consider salon spa insurance. Not insuring a business can have devastating consequences if there’s a major loss or lawsuit, and this tends to be the most appropriate policy option for these businesses.

Notably, salon spa insurance is different from medical spa insurance. Medical spas offer other services that require a somewhat different set of protections.

Do Day Spa Policies Cover Services That Are Offered at Clients’ Locations?

Whether day spa policies cover services that are rendered at clients’ locations depends on the specific details of a given policy. Some will extend property and liability protections to off-site work, while others won’t provide the extended protection or make it an optional add-on. Salons that offer services at festivals, shows and fairs also should look for extended off-site coverage.

A knowledgeable insurance agent can help salons evaluate different policies’ protections to find one that will cover services done at clients’ locations.

What Coverages Can Spas Get Through Salon Spa Insurance?

Many different coverages are available through salon spa insurance policies. Below are only some of the coverages that a particular policy could offer:

Commercial Building Coverage, which might cover a spa’s facility and any secondary structures
Tenents Betterment Coverage, which might cover improvements that a salon makes when leasing an area
Contents Coverage, which might cover the equipment and supplies kept at a spa’s location
Business Interruption Coverage, which might cover prolonged losses of revenue in certain situations
General Liability Coverage, which might cover “slip and fall accidents” occurring at a salon’s facility
Product Liability Coverage, which might cover damage and injuries that a salon’s products cause
Professional Liability Coverage, which might cover damage and injuries that an employee’s mistake causes

An insurance agent who knows salon spa policies well can help spas review all of the coverages that a policy offers.

Is Workers Compensation Offered Through Day Spa Policies?

Workers' compensation is a common coverage that normally protects against work-related injury and illness. Most businesses that have employees (including the majority of day spas) need the coverage.

Whether workers' compensation is included within a day spa policy also depends on the specific policy, though. As is true with covering off-site services, some policies also offer workers compensation and others don’t come with the coverage. When workers' compensation isn’t automatically included in a day spa policy, the coverage can be easily purchased via a separate policy.

How Much Are Premiums for Day Spa Policies?

Premiums for day spa policies vary, as they’re based on a multitude of factors. These spas are generally within what spas can afford, however, and the cost of a policy is almost certain to be less than what a claim could cost.

Spas can find out exactly how much insurance premiums will be in their situation by contacting an independent agent. Independent agents aren’t linked to any one insurance company, but can instead show customized policy options from multiple companies.

How Can Massachusetts Spas Get Day Spa Insurance?

For help insuring a spa that’s located in Massachusetts, contact the independent insurance agents at Roger Butler Insurance. Our agents have the expertise to help you select coverages, and then we can find you an affordable day spa insurance policy that provides the specific coverages your spa needs. With our aid, you can be confident that your spa is well protected.