Spa & Massage Therapy Business Insurance Coverage Checklist
The coverages a spa & massage therapy business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for day spas, resort spas, and multi-therapist massage businesses. Priorities reflect typical exposure; confirm against services and water amenities.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (All Services) | Covers injury claims from massage, esthetics, and body treatments — confirm every service is listed. | Core | |
| Abuse & Molestation / Sexual Misconduct | Covers misconduct allegations — often excluded or capped at $10,000-$25,000. | Core | |
| Commercial General Liability | Covers guest injuries, including falls in wet areas and illness from water amenities. | Core | |
| Commercial Property & Business Income | Covers the facility, pools, and equipment, plus lost income after a closure. | Core | |
| Equipment Breakdown | Covers hot tub, sauna, steam, and HVAC system failures. | Prevalent | |
| Liquor Liability | Needed if alcohol is served. | Situational | |
| Products Liability | Covers own-brand and retail products. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is water. Hot tubs at 100–104°F are ideal for Legionella growth, and a fatal Legionnaires' outbreak was traced to an unpermitted, never-inspected hot tub at a California day spa. Illness claims from water amenities can be severe, and some policies exclude bacteria or communicable disease. Spas should confirm their policy responds to these claims, keep permits and testing logs current, and follow a written water management plan. Sexual misconduct coverage is the other common gap.
Send us the checklist and we'll review your spa & massage therapy business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Spa & Massage Therapy Business Insurance · Spa & Massage Therapy Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a spa & massage therapy business business need?
The core coverages for a spa & massage therapy business business are Professional Liability (All Services), Abuse & Molestation / Sexual Misconduct, Commercial General Liability, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my spa & massage therapy business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.