Our program provides coverage for Day Spas with the owner as operator, operators as employees, or operators as independent contractors. Coverage is available for masseuses/masseurs, manicurists, ear piercers, and those providing makeovers and facials. Program rates include ONE tanning bed.

Operators who are independent contractors may be included as additional insureds.

General Liability Underwriting Considerations

• Limits up to $1MM/$2MM available;
• Umbrella/Excess available
• Errors and Omissions coverage is mandatory and included at no charge 
• Prohibited services: body piercing (other than ears), botox or other cosmetic injections; chiropody, hair implants and tanning salons
• Prohibited if annual receipts are less than 15 percent of overall gross sales (prohibited for Umbrella/Excess):
• Beauty schools
• Laser hair removal
• Other-than-organic body wraps
• Any risk that manufacturers, mixes, blends or repackages products sold for use on or off premises
• Permanent makeup
• Sexual and/or Physical Abuse Coverage is mandatory and included at $25,000/$50,000 limits with no change. Increased limits available at $100,000/$300,000