Day Spa Insurance in Australia

Tailored insurance package to help protect your reputation and valuable assets

Day Spa Insurance

If you own a day spa, then the treatments and services you provide involve a high level of personal interaction with your clients. This puts you and your spa business at a higher exposure to risks that can range from damages and injury to both your client and your workers.

But these risks can be mitigated with the help of day spa insurance. Choosing the right level of insurance coverage that fits your spa business is vital as it can protect you from potential claims.

Why do day spas need insurance?

In particular, day spas are exposed to liability risks such as when their clients are injured as a result of wrong treatment or advice. Allergic reactions and slips and falls can also be everyday risks. In the event your client files a claim, the cost of compensation can hurt your business.

Spa insurance protects both owners and employees against different risks involved in running the business.

Type of Day Spa insurance for your package can include

If you own a Day Spa in Australia, you should give yourself, your employees, and your customers the peace of mind that you all deserve.

Professional Indemnity/Medical Malpractice Insurance

Is designed to protect you from claims arising whilst you’re providing professional advice or services. Professional indemnity insurance can also assist you with the legal defence, compensation, and settlement costs associated with the claims.

Public Liability Insurance

As a Day Spa Owner, you are liable for any third-party injury or damage arising from conducting your operations. These can be incidents like slips and falls, which may be covered by this public liability insurance.

Product Liability Insurance

Part of running and operating a Day Spa is to sell or supply products. Product liability insurance coverage protects you from any personal injury or damage caused by your goods. If a client makes a claim against you for developing rashes from your facial cream, product liability insurance may cover the compensation costs.

Other business insurance products for Day Spa

Risks for Day Spa’s are not only related to practice but to operations as well. Get covered by other business insurance on top of the above-mentioned liability coverage. These business insurance policies below are a recommendation only and are subject to a review of your specific requirements

Management Liability

is professional liability insurance specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit and statutory fines and penalties.

Business Insurance

This protects your business, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business interruption, for the potential loss of income, under certain sections of the business policy.

Tax Audit Insurance

Whether you run a small or large business or work as a contractor. This insurance will cover your business for tax auditing by the ATO.

Cyber Insurance

If you maintain a website or a digital record of your customers’ personal information, especially online, you are at risk of a data breach. This policy covers you from data theft.

Workers Compensation

Workers’ compensation is a mandatory requirement for all businesses to cover their staff and contractors in the event of an accident

Personal Accident and Illness Insurance

This insurance is for every individual, business owner, or contractor, as accidents and sickness do happen to business owners and contractors, this may assist your business to enable you to employ staff to cover you the business owner while you are unable to work.

Get in Touch with Sparrow Insurance

Sparrow Insurance understands the risks that day spa owners face. It can be overwhelming to think about running the business and finding the salon insurance policy altogether. That is why we take the time to assess your business and give you insights into which insurance products are suitable for your needs.

Get a review or request for an online quote now.

Other Insurance Policies in the Beauty Industry

FAQs about Day Spa Insurance

How much does day spa insurance cost?

The cost of insurance coverage for day spas will depend on several factors: the kind of services and specialty services you operate, the professional liability limits and your business equipment and property.