- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group, LLC
Day Spa Insurance
Tailored Coverage Solutions for Day Spa Professionals
Why do I need Day Spa Insurance?
Running a day spa is all about relaxation—but lawsuits? Not so much. A simple miscommunication or minor mistake could leave you facing a costly legal battle. While many insurance policies claim to protect your business, they often exclude key services on your menu, leaving you exposed when it matters most.
If a client sues over a procedure your policy doesn’t cover, you could be paying out of pocket—yikes! And those settlements? They can be big enough to shut your doors for good.
The solution? Coverage that actually covers you! Make sure your spa stays in business (and stress-free) with a policy tailored to your services
Why choose PPIB for your Day Spa Insurance?
At PPIB, our Day Spa Insurance policies provide comprehensive coverage to bridge the gaps left by standard policies, ensuring you have the protection you need. Our policies include essential Professional Liability and General Liability coverage to safeguard against potential lawsuits, along with customizable options such as property coverage, cyber protection, sexual abuse liability, product liability, hired/non-owned auto, and more.
We don’t just offer insurance—we tailor coverage to match your specific services. Whether you need protection solely for professional liability or coverage for eyelash extension services, we can design a policy that fits your business. As your services expand, we can seamlessly adjust your coverage to meet your evolving needs.
With our commitment to excellence, day spa professionals and businesses receive unmatched support and security. Trust PPIB to protect your artistry and professional aspirations with industry-leading Day Spa Insurance.
What Services Can Be Covered Under Day Spa Insurance?
Professional Program Insurance Brokers (PPIB) offers insurance coverage for many different day spa services, including:
Facials
Massages
Manicures/Pedicures
Eyelash Extensions
Needling/Collagen Induction Therapy
Body Contouring
Permanent Makeup
Permanent Jewelry
Additional Services We Can Cover
- Beautician/Cosmetology
- Massage
- Manicures/Pedicures
- Facials
- LED/Microcurrent
- Ear Piercing
- Non-invasive Aesthetic Radio Frequency
- Needling/Collagen Induction Therapy
- Sugaring/Threading
- Waxing
- Microdermabrasion
- LED Light Therapy
- Electrology
- Non-Invasive Aesthetic Ultrasound
- Plasma Fibroblast
- Infrared Saunas
- Permanent Makeup
- Microblading
- Foot Detox
- LED Teeth Whitening
- Dermaplaning
- Topical Makeup
- Reiki
- Microcurrent
- Cupping (no heat/fire cupping)
- Body Wraps
- Cryo Spot Treatment
- Medical Peels
- CBD/Hemp Treatments
- Private Labeling of Products
- Teaching (unlimited class size)
- Yoga/Pilates Instruction
- Skin Tag Removal
- Airbrush/UV Tanning
- Hyaluraonic Pen
- Dermaplaning
But wait, we can cover MORE!
Just because it’s not listed above doesn’t mean we don’t cover it. If you have a day spa business with other operations or services, we are able to consider it. Contact us to find out if it fits in our program.
Coverages for Day Spa Insurance Offered Nationwide
- Up to $2,000,000/$3,000,000 Limits
- Hired/Non-Owned Auto
- Property – including in transit
- Professional Liability
- Communicable Disease
- Sexual Abuse
- Excess Liability
- General Liability
- Products Liability including for Private Label Products
- Cyber protection
- Events/Conventions
Why Day Spa Insurance With PPIB?
- Knowledgeable claim handling and underwriting staff
- Nationwide Reach
- Online Portal Access
- Customizable Coverage Options
- Dedicated support to assist you every step of the way
Frequently Asked Questions
Day Spa insurance provides coverage for the unique risks and liabilities associated with the beauty industry. Our policies include professional & general liability coverage with additional optional coverages to customize coverage based on clients’ business needs.
Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable day spa insurance policies to endure that your coverage aligns with your specific business needs.
Yes, they can be. If they are your employees, you should have them covered under your policy and we can protect you from claims that arise from their clientele. If they are independent contractors who are working under your business name we can also include them. If they are working under a different business name they will need to obtain their own coverage and name you as an additional insured.
The cost of day spa insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy.
Here are some key factors that influence the cost of day spa insurance:
1. Size and scope of business:
The size of your business, whether you have a salon/spa or you are an individual can impact the insurance cost. Larger risks with more technicians who offer more services may have higher premiums due to an increased risk and liability associated with more clients coming into the salon/spa.
2. Type of services being performed: Some services are more invasive than others which create more long-term problems if a claim were to arise. Therefore, the type of services being performed may impact the insurance cost.
3. Claims history: Insurance companies consider the claims history of your permanent makeup business when determining the cost of coverage. If you have a history of claims, it may result in higher premiums.
4. Safety measures and risk management practices: Insurance providers assess the safety measures and risk management practices implemented by your business. Having robust safety protocols, ensuring your employees and you are properly trained for all services being performed and regular maintenance practices can help lower insurance costs by reducing the likelihood of accidents and claims.
Definitely. The general liability policy of the business you rent space from most likely covers their operations only, and clients coming into their business. You are a separate entity since you rent a space from another business. General liability provides peace of mind with coverage for incidents involving your clients.
If desired, we can offer you a stand-alone insurance policies covering only the services you need coverage for.
Yes, at any time during your policy term, you can contact PPIB and request an endorsement. Additional forms and/payment may be required.
Yes, day spa insurance policies typically have exclusions or limitations that outline specific situation or circumstances where coverage may not apply or may be limited. These exclusions and limitation can vary depending on the services being provided.
It’s important to carefully review your insurance quote and policy and understand the exclusions and limitation that may apply.
Click the Apply now button and fill out our online application. Your application will be submitted to us and a copy will be emailed to you. The normal turnaround time to get a quote is 5-8 business days. If you need a quote sooner, call our office once you submit the online application and let us know it’s urgent.
- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage, division of Specialty Program Group LLC. Doing business in California as SPG Insurance Solutions License No. 0L09546.