Day Spa Insurance

Running a day spa in Ontario can be one of the most exciting careers in the world. It is also going to be very rewarding. After all, you’re actually helping others. Day spas are wonderful, but there are plenty of things that can go wrong. This is why anyone who runs a day spa should be protected with a thorough day spa professional liability insurance policy. You’ll also want to protect yourself with a day spa general commercial liability insurance policy. Having a combination of PLI insurance and CGL insurance for day spas will prove to be immensely beneficial in the long run.

Just think about it for a minute. There is a possibility that someone is going to slip and fall in your spa. If they’re seriously injured or just angry, they could file a lawsuit against your company. Commercial general liability insurance can help you. At the same time, a day spa E&O insurance policy can protect you from errors that you’ve made. You could accident charge the customer the wrong price. They’re obviously going to be angry and they may lash out by filing a lawsuit against your spa.

This is why you should speak with a day spa professional insurance broker and sign up for professional and business insurance.

 

Insurance for Day Spa


More Coverage Options

CGL insurance and PLI insurance are both great. However, you may need additional coverage to ensure that your spa is protected to the fullest. You might feel that property insurance and cyber insurance are optional, but they are not. The day spas E&O insurance prices can be steep, but you should definitely get more coverage as well. The other coverages that you need come as a part of a business owners policy, will be explored in more depth below.

General Liability Insurance

Commercial general liability insurance for day spas is absolutely essential. You need to understand that people are going to be entering and exiting your spa. If they fall and get hurt, you’re going to be held liable. This insurance can help protect you from such events and so much more.

CGL Insurance Recommended Limits – $500,000 per claim / $2,000,000 aggregate

Cyber Insurance

In the past, cyber insurance wouldn’t have been a problem. This is the case, because all of the information would have been kept on paper. Now, there is a good chance that your clients’ information is stored online. If your system is compromised, this information is going to stolen and you’re going to be in hot water. Cyber insurance can help.

Cyber Insurance Recommended Limits – $100,000 per claim / $1,000,000 aggregate

Commercial Property Insurance

It is also a good idea to protect your property with insurance. After all, your business is going to go down, if your building is destroyed. If you have the appropriate amount of commercial property insurance, you will be able to rebuild your spa without having to spend too much out of pocket. Commercial property insurance can really help keep your business afloat in the event of a natural disaster.

Commercial Property Insurance Recommended Limits – $500,000 per claim / $2,000,000 aggregate

Average Costs

Now, it is time to learn about the average day spas professional insurance cost. By working with a reliable Ontario, Canada day spa errors and omissions insurance provider, you should have little to no trouble finding how much you’re going to be required to pay from month the month. Below, you will find averages for the various insurance coverage options that you should add to your day spa PLI insurance policy.

  • Professional Liability Insurance – $40 a month
  • Commercial General Liability Insurance – $50 a month
  • Cyber Insurance – $18 a month
  • Commercial Property Insurance – $20 a month

The truth of the matter is that the numbers can vary significantly based on numerous factors, including your business size, location and credit history. Working with an Ontario professional insurance company is recommended. We’re here to help you. If you want to find out specifically how much you’re going to be required to pay, you should not hesitate to get in touch with us. You can contact us via email or over the phone. You can also use our online form to obtain day spas E&O insurance quotes as quickly as humanly possible!

 

 

 

 

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Other professions we also provide insurance for:

Academic Testing Centres
Accident Investigation
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Accountants
Actuaries
Adjusters
Adoption Agencies
Advertising
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Advertising Agents & Services
Aerial Mappers
Agents
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Chambers of Commerce & Trade
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Civil engineers
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Commercial Printer
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Company Formation
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Conference & Event Management
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Contest Managers
Contractors Accountants
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Copywriters
Counselling & Advice Services
Court Reporters
CPA/CMA
Credit Reference Services/Bureaus
Custom House Broker
Customs & Forwarding Agents
Data Processing Services
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Day Spas
Decorators – Interior
Dental Laboratories
Designers
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Directors
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Documentary creators
Employment Agencies
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Energy Audits & Assessments
Engineers
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Excess & Umbrella Liability
Filmmakers
Fitness Clubs
Foreign Legal Consultants
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