spa insurance

Day spa insurance is Marine Agency’s specialty. Get complete spa liability insurance coverage for your day spa, hair salon, skincare, microblading, bodywork, electrology, or yoga/pilates studio through Marine Agency’s day spa insurance program.

Marine Agency has been the recognized leader in beauty, electrology, and day spa insurance coverage since 1975. We understand the unique challenges in running your day spa business and have an intimate understanding of all the different skincare and bodywork services you provide. Our policies for day spa, salon, skincare, bodywork, electrology, and
yoga/pilates studios include:

  • 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

Most salon insurance coverages you’ll find are offered on an a’la carte basis – need everything? Great! Only want professional liability coverage? No problem!

Marine delivers the best, comprehensive insurance for microblading, and medical spa insurance.

  • Coverage is available throughout the lower 48 states and DC (everywhere but Alaska and Hawaii).
  • All salon, spa, and hairstylist liability insurance coverage is purpose-built for the services you provide for your clients.
  • Property coverage (not available in Florida) is written on a “special form”, or sometimes called “open perils”, policy. Instead of a short list of covered perils, we provide a short list of the ones that aren’t. If it’s not in the list, you’re covered!
  • Don’t hesitate to ask us any important questions or for more information about our affordable day spa and salon insurance that you may have.

Get equipped with day spa insurance and protect your business today.


Navigating the realm of day spa insurance can sometimes feel as complex as mastering the perfect facial routine. Fear not! At Marine Agency, we’re here to break down the most common questions, ensuring you have all the information you need to make an informed decision for your business. Delve into our frequently asked questions below to get the insights you seek.

Q: Why do I need day spa insurance?

A: Day spa insurance is essential for business owners who want to ensure that their services, products, and facilities are protected against unforeseen circumstances. This policy provides coverage against potential claims resulting from services rendered, products sold, or any incidents within the spa premises. Having this insurance also secures the reputation of your spa in the long run.

Q: What types of coverage should my day spa insurance include?

A: Your day spa insurance should offer comprehensive coverage tailored to the unique risks associated with the spa industry. This may include professional liability (covering errors or omissions during services), product liability (for products sold to customers), and general liability (for incidents like slips, trips, or falls within the premises). Depending on your spa’s offerings, you might also consider additional coverage specific to certain treatments or therapies.

Q: How does day spa insurance protect my employees?

A: Your employees are the backbone of your business. A well-structured day spa insurance policy can offer worker’s compensation, ensuring that your staff is covered for potential work-related injuries or illnesses. This not only provides peace of mind for your team but also demonstrates a commitment to their well-being.

Q: Can I customize my policy based on my spa’s unique offerings?

A: Absolutely! At Marine Agency, we understand that each day spa is distinct. We offer tailored policies to match your specific services, whether you provide traditional facials, esthetician services, unique therapies, or specialized treatments. Visit our guide for more information on creating a unique day spa experience.

Q: How often should I review and update my insurance policy?

A: It’s advisable to review your insurance policy annually or whenever there are significant changes to your business. This can include adding new services, changing locations, or hiring additional staff. Regular reviews ensure that your coverage remains up-to-date and in alignment with your business’s current needs.

Thank you for trusting Marine Agency with your day spa insurance inquiries. We’re here to provide the coverage, information, and peace of mind you need to ensure your business thrives. If you’re ready to protect your day spa with a tailored policy, don’t hesitate. Dive into our day spa insurance page today and embark on a journey of comprehensive protection for your sanctuary of relaxation.