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The Insurance your Day Spa Should Have but Hope to Never Need

Going to a Day Spa is all about relaxation and pampering yourself. Anyone who has been to a salon knows that most offer a variety of different services such as skin care, electrology, microblading, body work, manicures, pedicures, microdermabrasion, massages and much more.

Massages, being one of the most popular services at day spas, uses touch to treat clients and manipulate muscles and soft tissue. When done correctly, a massage therapist can relieve stress, assist with the healing of injuries opens in a new window, improve circulation, relieve pain and increase relaxation. It is important that all salons conduct an overall risk management review before serving clients.

The Insurance your Day Spa Should Have but Hope to Never Need

A thorough overall risk management review includes investigating the abusive acts hazard. Claims of abusive acts within your spa business damage your professional reputation, hurt sales, and lower employee morale. Even worse, claims damage the bottom line and threaten the long-term financial stability of the business.

Abusive acts are actual events or threats alleged against you or your employees. Your clients deserve a stress-free environment without improper behaviors by the staff. But, you must protect your assets from actual and imagined events too.

Abusive acts allegations include abuse (verbal, mental, emotional, or physical) resulting in injury, mental anguish, illness, fear, shock, or death.


Day Spa environments have specific characteristics which make them vulnerable to abusive acts liability claims. The nature of the business is therapeutic touching in intimate settings. Misunderstanding and temptation are potential byproducts.


The first line of defense involves instituting a high-quality screening process for new hire employees. Criminal background checks reduce the risk of violent or predator hires. Check references thoroughly. Ask if a former employer would rehire the candidate.

Correct training and ongoing random drug testing and criminal checks continue due diligence to avoid the risk of abusive behavior. Stay vigilant, it’s your reputation, not the abuser’s.


The physical location and process must be assessed for risk. Once the state of the spa has been defined, reviewing options for transferring the risk to an insurance company can be implemented. And, there are options.

The Insurance your Day Spa Should Have but Hope to Never Need

As with insuring any business, there are many different factors to consider when deciding what coverage is right for you. Since many services in a day spa are hands on, it is very important to consider all aspects of what could potentially go wrong. Abusive Acts Liability Insurance is essential to your business. This coverage is important because it covers liability for claims that an employee physically abused or molested a client.

In fact, Marine Agency specializes in salon & day spa insurance.  Our Salon & Day Spa Insurance under the bodyBeautiful™ day spa insurance program covers:

  • Abusive Acts (abuse & molestation) Liability
  • General (trip & fall, products) Liability
  • Professional (malpractice) Liability
  • Property Coverage (burglary, fire, theft, etc.) for business contents and/or buildings (if owned)
  • Optional Business Interruption Coverage
  • Off-site services (including out-call massage) covered automatically
  • Independent Contractors included as insureds

All Marine Agency bodyBeautiful™ quotations (new & renewal) automatically include $100,000 “abusive acts” (abuse & molestation) coverage. No other specialty insurance provider is protecting you in this way.

Be sure to fully preserve your business and make sure that your day spa is fully covered and you’re prepared for anything with bodyBeautiful™ day spa insurance. Get a free quote from the experts at Marine Agency today.

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422 US Hwy 22 W, Unit 7
Whitehouse Station NJ 08889

Local: 908-838-9762

Toll-Free: 84-INSURE-NJ (844-678-7365)


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Whitehouse Station NJ 08889

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