WE SPECIALIZE IN INSURANCE FOR SPA AND THERAPY BUSINESSES
WHY DO THERAPISTS
NEED BUSINESS INSURANCE?
Business insurance offers you protection from a wide range of accidents and business risks, from a client suffering a reaction to a chemical in your spa to being accused of damaging property.
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Having the right types of insurance for your therapy business means that you don’t have to pay entirely out of pocket after an accident or to defend your business.
Therapy liability insurance can help cover costs if someone accuses you of giving a painful treatment that prevents them from working or if you accidentally damage a client’s property.
We combine two types of liability insurance in our business insurance packages:
Professional liability provides financial protection if your client claims your services weren’t effective or you were negligent. Accurate or not, you could have to pay to defend your business if they take legal action. Professional liability coverage will help cover expenses to defend your business.
General liability is the insurance that many business owners buy to cover some of the most common accidents when you work with clients — property damage and injuries to non-employees.
LIABILITY INSURANCE FOR THERAPY BUSINESSES
HOW MUCH DOES
BUSINESS INSURANCE
COST FOR THERAPISTS?
You can save up to 25% in discounts when you buy therapy insurance with NEXT. The exact amount you pay will depend on:
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The types of spa and therapy services you offer
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The kind of spa or clinic you work in
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If you have any employees and the kinds of work they do
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The number and types of vehicles you drive for work
OTHER IMPORTANT BUSINESS INSURANCE COVERAGE FOR THERAPISTS
Liability insurance is a must-have for covering your bases but you may want to add other types of business insurance to protect your employees and your work vehicles.
WORKERS' COMPENSATION FOR
THERAPISTS
Workers’ compensation protects your part-time assistants or full-time employees by helping to cover their lost wages while they recover from throwing out their back while moving a massage table. If you don’t have employees, workers’ comp provides an extra layer of protection for you as a business owner.
This coverage is required for businesses with employees in every state except Texas.
COMMERCIAL AUTO INSURANCE FOR THERAPY BUSINESSES
Commercial auto insurance is legally required in most states if you own a car or truck that’s titled to your business. If you drive your own vehicle to provide your services at different locations, it probably won’t be covered under your personal car insurance.
COMMERCIAL PROPERTY INSURANCE FOR RETAIL BUSINESSES
Retail business owners who own or rent physical spaces will need property insurance to help protect business equipment, inventory and furniture. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.