Day Spa Insurance
Day Spa Business Insurance
When sourcing a Public & Products Liability Insurance for a day spa it is important to read through the exclusions shown on the policy schedule. Not every insurer will cover every treatment you may perform so it is important to make sure every treatment is covered. The best way to find out if you are unsure is to talk to your broker. It is common for treatments such as solarium's, body piercings, henna, lymphatic drainage massage, laser, cosmetic enhancements such as injectables to not be covered.
Here at Salonsure our team will ensure you are adequately covered to meet your business needs.
Day Spa's tend to have a lot of stock and contents and often wouldn’t be able to operate with out them. Obtaining the right day spa insurance to protect yourself in case of a fire or theft is super important. This type of cover would fall under the property and theft section on a business pack insurance policy.
Public & Products Liability Insurance
Public & Products Liability Insurance is designed to protect your business in case you or an employee cause third party personal injury or third party property damage due to your negligence.
Considering day spas spend all day treating clients with facials, massage, wraps, scrubs and water treatments, public liability insurance is important. This type of insurance will protect your day spa in the event a third party obtains a personal injury during treatment or simply while in your day spa. It will also protect your business in case you damage their personal belongings, for example, you might accidentally spill hot oil onto your clients Gucci handbag or on their clothes.
If a client is to claim against your business and you are found to be negligent, your insurer will pay to repair or replace the property damaged caused or in the event or a personal injury claim, the insurer will pay for their medical expenses and could even pay for forms of compensation.
Whether you have a salon or a mobile business, claims made against your business can be very stressful. Public Liability Insurance will help take some of the stress away.
Without Public Liability Insurance a claim made against your business can be financially devastating and could even send you bankrupt. That’s why it is so important to not only protect your business but yourself with Public Liability Insurance.
Day Spa Insurance Quotation
Luckily obtaining a day spa insurance quotation in Australia is simple. All you need to do is contact us via the links below or call us on 07 3135 7436