Spa
Spas can offer many services including massages, facials, makeup application, manicures, pedicures exfoliation, wraps, aromatherapy, hair services, therapies, and injections with a medical director.
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Insurance policy highlights can include:
- Duty to defend for professional liability
- Claims-made or occurrence coverage available
- Top rated carrier
- Punitive damages where insurable by state
- Third-party discrimination coverage
- Supplemental payments (i.e. lost wages to attend trials/hearings in defense of a claim)
- Attorney fees/costs/expenses incurred by the named insured in defending against investigations or disciplinary actions by licensing boards
Coverages can include:
- Professional liability
- General liability
- Abuse and molestation
- Directors and officers
- Employment practices liability
Additional coverages available:
- Property
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Hired and non-owned auto
- Employment benefits liability
- Crime
- Cyber
Markets
Claim Examples
Professional
A spa employee misplaces a file containing client information that is then used without the client’s permission by another business. The client sues the spa owner.
General Liability
A client walked into a medical spa and prepared for a permanent makeup application. While sitting in the chair waiting, she broke her hip when the chair’s armrest suddenly broke and she fell onto the floor.
Hired and Non-owned Auto
Jessica is a staff member working for a spa that provides counseling. While Jessica is driving a client for a visit to a separate float therapy location, she fails to yield at a stop sign and strikes another vehicle. The client sustains a severe bodily injury and sues Jessica’s personal auto policy. It turns out that the claim amount will ultimately exceed Jessica’s personal auto limits and a secondary claim is made against the hired and non-owned policy of the spa.
Abuse and Molestation
A man who was performing a massage at a day spa is accused of molesting a client. The client sues the spa, which results in a paid abuse and molestation claim for bodily injury and mental duress.
Employment Practices
An employee at a medical spa receives numerous sexual advances from another staff member. The employee sues the medical spa’s employment practices policy for sexual harassment.
Property
A fire breaks out as a result of a curling iron that contacted a bottle of hair dye in a spa. The damage results in extensive smoke and heat damage to both the building and its contents and forces the spa to seek an alternative facility for a period of one month. The spa faces a loss of $75,000 in property damage and extra expenses.