Your spa business operates to bring joy to customers, help them relax, and provide useful services. Most spa owners spend their days focusing on these goals, without thoughts of a possible lawsuit or another financial loss. Unfortunately, every business faces these risks. The best way to protect your spa business from the possibility of financial loss is through insurance coverage.
Keeping Spa Businesses and Customers Safe During COVID-19
The COVID-19 pandemic interrupted operations for most spas around the country. Although most spas have now reopened, the risks related to COVID-19 are still a reality. To prevent or reduce the spread of this illness, day spas have been required to follow specific small business guidelines that the CDC recommends:
- Social distancing
- Wearing protective gear
- Wearing masks
- Sanitizing areas
- Ensuring no employees come to work if they are feeling ill
It is important to note that even when your spa is taking all of the proper precautions, COVID-19 transmission may still occur in your establishment. Follow best-practices based on CDC guidelines, COVID-19 insurance FAQs (like this post), and be careful. It’s important to note that most insurance policies are now excluding lawsuits arising from COVID-19 infections. Having the proper spa business insurance or day spa insurance for all other risks is more important than ever. Without proper insurance coverage, a single incident could bring your business to its knees.
Spa Business Cleaning Tips
Given the state of the world during COVID-19 it is important to clean every inch of your spa. Here are some tips on where you should be cleaning:
- Chairs, armrests, and headrests
- Styling and treatment tools
- Counters
- Mirrors
- Storage areas
- Frequently touched areas such as doorknobs
Having a cleaning plan implemented is very important when starting to reopen your spa business. This will allow customers and employees to feel safe when returning to your spa. Also, posting on social media about the cleaning guidelines your business has in place will allow customers to know they will feel safe in your spa before arriving.
Spa Insurance Basics
Spa businesses may need a wide variety of policies to protect them from all of the various risks they face. Some of the policies to consider if you own a spa business include:
- Professional liability – These claims are related to the services you provide. For example, if a client believes that a massage caused physical pain or injury, it may result in a professional liability claim.
- General liability – Insurance protects you from liability claims related to incidents that do not fall under the heading of professional liability. Examples include product injuries and falls.
- Abusive acts liability – Given the nature of the spa business, abusive acts coverage is often necessary. This type of coverage protects against claims of abuse or molestation.
- Property coverage – This is necessary if you own the building where your spa operates. It can also protect the contents of the building in the event of theft, fire, or other such events.
- Business interruption coverage – If an event like COVID-19 prevents you from being able to run your spa, business interruption coverage may provide benefits to make up for the loss of revenue.
Key Takeaways:
- Every spa requires certain types of insurance coverage to protect against liability claims and other types of loss.
- The COVID-19 pandemic changed the ways spas must operate, ensure that your business is following all cleaning procedures and CDC guidelines.
- To get the proper coverage and protect against the loss, spa businesses should consult an experienced insurance agent.
Marine Agency offers a full range of insurance products for spas. If you are interested in learning more about your insurance coverage needs, evaluating your current coverage, and/or purchasing additional protection, please contact Marine Agency today to talk to one of our experienced agents.
