"Where Relaxation Meets Reassurance."
Protecting practitioners, clients, and wellness operations
Spa and massage therapy operations involve direct physical contact with clients, licensed professional services, and significant exposure to professional liability, bodily injury claims, and product-related reactions. From improper technique allegations and client injuries to employment claims and property losses, spa risk is personal, licensed, and closely regulated. Whether operating a solo massage practice or a full-service day spa, exposures can arise from individual treatment decisions, product use, or facility conditions.
Properly structured insurance is essential to protect practitioner licenses, client safety, business continuity, and long-term professional reputation.
Key Risks in Operations
Professional liability from treatment technique or client injury
Allergic reactions or adverse effects from products used
Client bodily injury on premises (slips, falls, equipment)
Abuse or misconduct allegations involving practitioners
Employment-related claims from staff or contractors
Property damage to equipment or facility
Data or privacy exposure from client health records
Losses can arise even when the business is professionally managed.
Core Coverages
Professional Liability — Covers claims alleging errors, improper technique, or injury arising from massage, spa, or wellness treatments.
General Liability — Protects against bodily injury and property damage claims arising from facility operations and client interactions.
Products Liability — Covers claims from oils, lotions, scrubs, or other products applied during services that cause adverse reactions.
Sexual Abuse & Molestation Liability — Protects against allegations of inappropriate contact or misconduct involving clients or practitioners.
Commercial Property — Protects massage tables, spa equipment, inventory, and business assets from covered physical losses.
Workers Compensation — Provides coverage for employee injuries resulting from the physically demanding nature of massage and spa work.
Umbrella / Excess Liability — Provides additional limits for severe professional liability or misconduct-related claims.
What's Commonly Overlooked
Insurance programs are often weakened by:
Missing sexual abuse and molestation liability
No professional liability coverage separate from general liability
Failure to cover independent contractor practitioners
Inadequate products liability for retail or applied products
Gaps in coverage for employee-related claims
Missing coverage for high-value spa or treatment equipment
These issues typically surface at claim time — not before.
A client alleges a back injury resulting from massage technique
A product reaction causes a skin condition requiring medical treatment
An allegation of inappropriate conduct is made against a practitioner
A client slips on a wet surface in the treatment area
An employee files a workplace injury claim from repetitive strain
Even a single claim can disrupt operations, damage client relationships, or impact cash flow.
Why Proper Placement Matters
Coverage varies significantly based on:
Types of services offered (massage, esthetics, body treatments)
Licensing requirements for practitioners and the business
Employment structure (employees vs. independent contractors)
Use of retail products and treatment-specific products
State-specific regulations and professional board requirements
Improper placement can lead to uncovered claims, contract losses, or regulatory exposure.
Our Approach
At Cory Washington & Co., we structure spa and massage therapy insurance programs around the licensed, hands-on nature of wellness services. We coordinate professional liability, abuse coverage, products liability, and property protection to ensure your practice and your practitioners are fully protected.
Healing work. Complete protection.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.