Health & Beauty Insurance

Salons, Med Spas, and the Fitness Industry

If you’re in the health and beauty space, whether it’s a salon, med spa, or part of the fitness industry, your business is hands-on and client-focused. That comes with a different level of risk.

We see this all the time. Owners assume their general liability policy covers everything, but that’s usually not the case.

What We See All the Time

• Professional liability missing or not enough

• Equipment not properly valued

• Services not fully accounted for on the policy

• Growth without updating coverage

Most people don’t realize where the gaps are until a client issue comes up.

Coverage That Actually Matters

General Liability
Covers injuries in your space.

Professional Liability
Protects against claims related to the services you provide.

Property Insurance
Covers equipment, buildouts, and your location.

Workers Compensation
Protects your team and your business.

Common Mistakes

• Assuming general liability covers service-related claims

• Not accounting for specialized treatments or services

• Underinsuring equipment and buildouts

If you’re in health and beauty, your exposure is directly tied to the services you provide.

If you want to make sure your coverage actually matches your business, LBP Insurance can walk through your policy and help you identify anything you might be missing.