DAY SPA INSURANCE IN MASSACHUSETTS

What Massachusetts Businesses Should Have Salon Spa Insurance?

Salon spa insurance is well-suited to meet most day spa’s insurance needs, and the vast majority of day spas in Massachusetts ought to have a policy. Not insuring a business can leave it exposed to a variety of risks, including both property and liability risks, that it could be protected from.

Notably, salon spa insurance isn’t intended for medical spas. Since salon spas offer different services and procedures, they generally need different insurance. Salon spa policies are often better for these businesses.

What Protections Are Offered by Salon Spa Insurance Policies?

The exact protections that are available through salon spa insurance policies can vary, but most policies offer a variety of liability and property protections. Some of the more commonly offered coverages include:

• General Liability Coverage, which might cover basic accidents, defamation lawsuits and false advertising suits
• Professional Liability Coverage, which might cover mistakes and errors made by employees while rendering services
• Product Liability Coverage, which might cover injuries and damage that a salon’s products cause
• Renters Liability Coverage, which might cover damage to a leased premises
• Commercial Umbrella Coverage, which might provide supplemental liability coverage for especially expensive lawsuits
• Commercial Property Coverage, which might cover damage to owned buildings, equipment and inventory
• Business Income Coverage, which might cover revenue losses that are caused by certain disasters

An insurance agent who specializes in salon spa policies can help spas review all available coverages and pick the protections that make sense in their situation.

Do Day Spa Policies Extend Coverage to Off-Site Services

Day spas that offer off-site services should speak with a knowledgeable insurance agent about their situation. Whether these policies extend coverage to services that are offered at clients’ locations, markets, festivals or other off-site locations depends on the specifics of a policy’s terms and conditions. An agent can review the terms and conditions to find a policy that provides the off-site coverage a salon needs.

Most spas that offer off-site services also need commercial auto coverage. This coverage is widely available through day spa policies, but what type of commercial auto coverage a spa needs depends on what vehicles the spa uses. Again, an agent can help spas make sure they get the right type of coverage for their vehicles.

How Much Do Day Spa Policies Cost?

Day spa policies’ premiums are based on a number of factors, so prices for these policies vary. In the majority of cases, though, premiums are affordable for spas. They’re almost certainly more affordable than the potential cost of a major claim if no coverage is in place.

How Can Day Spas in Massachusetts Get Day Spa Insurance?

For help insuring a day spa that’s in Massachusetts, contact Garrity Insurance. Our independent insurance agents can help you compare quotes from multiple insurance companies since we’re an independent agency, and we have the expertise necessary to help you choose the best available policy. With our assistance, you can be confident that your spa is well-protected and that its day spa insurance policy is competitively priced.