The moment a needle or a laser is involved, it stops being a beauty policy.
Cover for day spas and medical spas — treatment injury, the abuse and molestation exposure of hands-on work, and the medical malpractice line that injectables and lasers cross.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What spa businesses actually need.
Professional liability
Injury from a treatment — burns, reactions, nerve injury, scarring.
Without it — General liability answers a slip, not a treatment gone wrong.
Medical malpractice, for med spas
Injectables, lasers, chemical peels and anything performed under medical direction.
Without it — A beauty-trade policy typically excludes medical procedures outright.
Abuse and molestation
Allegations arising from massage and other hands-on treatment.
Without it — Excluded from general liability, and a real exposure in private-room work.
General liability and property
Premises injury, plus the equipment and the fit-out.
Without it — Wet areas, heat and treatment equipment in a public building.
Communicable disease
Infection claims following treatment, where the form allows it.
Without it — Commonly excluded, and worth checking rather than assuming.
What spa operators ask us.
What makes a med spa different from a day spa?
The procedures and therefore the policy. Injectables, laser and energy-based devices, and medical-grade peels are medical procedures performed under a physician’s direction, and standard beauty-trade professional liability generally excludes them. A med spa needs medical malpractice cover, with the supervising physician’s arrangement and each provider’s scope of practice documented. A day spa that quietly adds injectables without changing its insurance is uninsured for the most severe thing it does.
Why does abuse and molestation cover come up?
Because massage and body treatment involve one-to-one contact with a partially clothed client in a private room, which is the fact pattern these allegations arise from. It is not a judgment about your therapists — an allegation alone costs a great deal to defend, and it is excluded from general liability. Insurers will ask about draping protocol, door policy, chaperone availability and how complaints are recorded.
Are our therapists covered by the spa’s policy?
Employees usually are; independent contractors and room renters usually are not. Where therapists rent space or work as contractors they should hold their own professional liability and name the spa as an additional insured — and you should collect the certificates annually. The same arrangement affects your workers comp audit if the relationship looks like employment in practice.
Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.