Operating a day spa or salon in Florida brings about the need for several types of insurance. These policies keep you safe from the cost of liability and ensure your compliance with local laws. They can also protect you from costs associated with the usual hazards of owning a building or equipment, such as fires, thefts, and similar sources of expense.
Day spa insurance in Florida is similar to salon insurance for salon owners in Florida. Common types of coverage include:
Workers’ Compensation Insurance – If you have four or more employees opens in a new window, Florida requires that you carry this coverage. It pays workers during time they have to take off to recover from work-related injuries. Note that Florida does not consider sole proprietors or partners to be “employees” for counting purposes.
General Liability Coverage opens in a new window – This protects you if someone claims to have suffered an injury or other type of damage on your premises.
Professional Liability Coverage – This specifically protects against lawsuits arising from damage caused by you or an employee while providing your service.
Property Insurance – Insuring your property and its contents protects from the cost of damages due to things like fire, theft, and similar mishaps.
Depending on your unique needs and the specifics of your area, you may want other types of insurance as well.
- Workers’ compensation insurance is required by the State of Florida if you have four or more employees.
- Other types of insurance include general liability, professional liability, and property coverage.
- Your needs may call for other types of insurance, too.
To learn about our day spa insurance program in Florida, or get hair salon insurance quotes in Florida, just contact us here at Marine Agency Insurance. We’ll be glad to help you get the coverage you need for your business.