Professional Liability Insurance (Malpractice Insurance): This type of insurance provides coverage for claims of negligence, errors, or omissions in providing spa therapy services. It protects the therapist against legal fees, settlements, and damages if a client alleges that the therapy caused harm or dissatisfaction, such as injuries or adverse reactions to treatments. General Liability Insurance: General liability insurance provides coverage for bodily injury and property damage that may occur on the premises of the spa or as a result of spa therapy services. It protects against claims from clients who suffer injuries or property damage during treatments. Product Liability Insurance: If the spa sells skincare products, essential oils, or other spa-related products, product liability insurance provides coverage for injuries or damages caused by defective products. It protects the spa against claims from clients who suffer harm from using products sold by the spa. Business Property Insurance: Property insurance protects the physical assets of the spa, including equipment, furniture, fixtures, and inventory, against damage or loss due to events such as fire, theft, vandalism, or natural disasters. Business Interruption Insurance: Business interruption insurance provides coverage for lost income and ongoing expenses if the spa is temporarily unable to operate due to a covered event, such as a fire or natural disaster. It helps cover rent, utilities, salaries, and other fixed costs during the period of interruption. Cyber Liability Insurance: Cyber liability insurance protects against data breaches, cyberattacks, and other cyber risks that could compromise sensitive client information stored electronically, such as appointment schedules, contact details, or payment information. Workers' Compensation Insurance: If the spa employs other individuals, such as massage therapists, estheticians, or administrative staff, workers' compensation insurance is typically required by law. It provides coverage for medical expenses, lost wages, and disability benefits if an employee is injured or becomes ill while performing job duties. Commercial Auto Insurance: If the spa provides mobile spa services or transports equipment to client locations, commercial auto insurance provides coverage for liability, property damage, and injuries resulting from accidents. Business Owner's Policy (BOP): A BOP combines several types of insurance coverage into a single package designed for small businesses, such as spas. It typically includes general liability, property insurance, and business interruption coverage, offering convenience and cost savings compared to purchasing individual policies separately.