Day Spa & Med Spa Insurance — Coverage, Cost & Requirements
Coverage for spas including massage liability, product liability, and medical aesthetics E&O.
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What Coverage Does Day Spa & Med Spa Insurance Include?
Most day spa & med spa businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Professional Liability
Professional Liability coverage tailored for day spa & med spa businesses.
Product Liability
Covers bodily injury or property damage from products you manufacture, distribute, or sell.
BOP
Business Owners Policy bundles general liability + commercial property at a discounted rate. Ideal for small businesses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
How Much Does Day Spa & Med Spa Insurance Cost?
The cost of day spa & med spa insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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