Day Spa Insurance in Vermont

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Day spa insurance policies are specialized commercial policies that have been designed to meet the risk mitigation needs of spas and similar businesses.

Many spas excluding medical spas and most salons located in Vermont can benefit from the protections afforded by a salon spa insurance policy.

• Renters Liability Coverage
• Commercial Property Coverage
• Business Interruption Coverage

What is Day Spa Insurance?

Establishing and running a day spa requires a substantial investment, and the resources poured into this type of business ought to be protected whenever possible. Day spa insurance policies help spas and salons in Vermont shield themselves from a variety of covered risks.

Day spa insurance policies are specialized commercial policies that have been designed to meet the risk mitigation needs of spas and similar businesses. In order to offer robust protection, most policies come with multiple individual coverages that are bundled together into a package policy.

What Businesses in Vermont is Salon Spa Insurance Right For?

Many spas and most salons located in Vermont can benefit from the protections afforded by a salon spa insurance policy. Not having coverage in place often leaves a business dangerously and unnecessarily exposed to risk, and this tends to be the most appropriate kind of commercial insurance policy for these businesses.

The one major exception to this general rule is medical spas. Because medical spas perform actual medical procedures, their risk mitigation needs usually differ from those of day spas and salons. In most cases, medical spas need a medical spa policy rather than a salon spa policy. The two types of policies are similar at points, but there are also important differences.

An insurance agent who specializes in salon spa policies and similar commercial insurance products can likely help spas and salons of all types determine what kind of policy, whether it’s a salon spa or other policy, is best for them.

What Protections Do Salon Spa Insurance Policies Make Available?

There are many protections that salon spa insurance policies often offer. Some of the more common ones include:

General Liability Coverage, which might cover a range of common accidents and some lawsuits
Professional Liability Coverage, which might cover errors employees make while working
Product Liability Coverage, which might cover harm and damage caused by products sold products
Renters Liability Coverage, which might cover damage to a leased space that a spa is responsible for
Commercial Property Coverage, which might cover owned facilities, equipment and inventory
Business Interruption Coverage, which might cover revenue drops that are caused by certain disasters

In addition to these, spas and salons may also want commercial umbrella coverage, commercial auto coverage, cyber liability coverage or any number of other protections. An insurance agent can assist with selecting the coverages that make sense given a business’ unique risk exposure.

(The exact coverages that are offered within a policy can vary.)

Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!

Becci Kepnes-Letourneau

Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

StoryWorkz Creative

Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!

Lance Garrett

Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

Are Off-Site Massages Covered by Day Spa Policies?

Whether a day spa policy covers off-site massages depends on the policy’s terms, conditions and exclusions. Spas that provide this service should review their policy carefully with an agent to make sure they have all the necessary coverage in place. If their current policy doesn’t provide sufficient protection, an agent can assist with adjusting the policy or getting a new one.

Are Day Spa Policies Expensive?

Day spa policies’ premiums often vary because they’re based on many different factors, often including where a spa is located, what services the spa offers, how many employees the spa has and other items.

Even with the variance in premiums, though, these policies tend to be affordable. They almost certainly cost less than what a major disaster or liability lawsuit could be if no protection is in place.

How Can Vermont Spas Get Day Spa Insurance?

For help insuring a day spa or salon that’s located in Vermont, contact the independent insurance agents of Paige & Campbell Insurance. Our agents can show you day spa insurance policy options from several insurance companies in the state, and they have the insights necessary to help you determine which policy is best for your salon or spa.