Day Spa Insurance Kansas

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Day Spa Insurance Kansas Policy Information

Day Spa Insurance KS

Day Spa Insurance Kansas. If you own a day spa or a medical spa in KS, then the services you provide and the treatments you offer require you to interact with customers on a personal level. The personable contact you are involved in puts you at an added risk for liability, but this risk is easily mitigated with the right level of day spa insurance Kansas for your business.

In particular, medical spas face huge risks when their clients are injured or become ill as a result of treatment. Likewise, people who expect results from their treatments that they do not see after treatment also pose a risk for liability. Arming yourself with spa insurance makes a lot of sense.

Day spa insurance Kansas protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Just a single major claim against a spa can drain its assets and capital, resulting in the business closing. Protecting your spa from financial ruin, however, is straight forward - purchase a comprehensive policy that protects you from all potential perils.

Back in 2009, a jury awarded a half-million-dollar judgement to a patron from a medical spa in North Carolina. Apparently, the women had contracted a blood infection while having a stomach-fat reduction procedure performed. Similarly, a medical spa in Chicago was sued in 2007 by a woman who went in for laser hair removal and came out with burns on her legs. She received $100k for her injuries in a case that was settled prior to going to trial.

Because medical spas are becoming more prevalent, and due to the personal and sensitive nature of their services, the industry is becoming a huge target among litigious clients. Spas are oftentimes hit with large malpractice suits that may grow to become million-dollar claims once legal fees and monetary awards are factored in.

Day Spa Insurance Types

The spa industry is on the rise in the United States. There are more than 20,000 spas today, as compared to 1999's level, which was roughly 4,000. Revenue from spa visits in 2012 alone amounted to $14 billion, and spas employ more than 340,000 people.

This represents more than a quadrupling in the industry as compared to the late 90s. Perhaps your KS spa has also seen an uptick in customers in the past few years, and if so, it's time to review your spa's liability policy and the coverages you have in place to protect your business. Each employee that you've added and each new type of procedure you offer increases the chances that something can go wrong, no matter how professional you and your staff are. If you have purchased new equipment, it also pays to make sure that your insurance protects you from equipment loss, theft, vandalism, and shutdown or malfunction with the right type of amount of property coverage for the business.

Updating your day spa insurance Kansas policy and reviewing it for its thoroughness is as simple as working with a seasoned agent who understands your unique needs. An agent with experience in the industry will also know how to write the policy you need to guard you from financial fallout resulting from litigation and claims.

Coverage Every Spa Owner Needs

There are some basic types of coverage that every KS spa owner and employees need. These include:

  • Property insurance. This insurance type covers your equipment, inventory, buildings, and more from potential loss due to criminal activity, fire, or weather.
  • General liability coverage. This type of insurance pays for your expenses if you are sued to accidents or injuries that occur on your premises. This covers slip-and-fall accidents, malpractice claims, burns, and other potential problems.
  • Business interruption coverage. This policy covers payroll and operating expenses when the business is recovering from burglary, fire, storm damage, or other perils.

Special Coverage for Medical Spas

One of the most crucial types of coverage for medical spas is known as professional liability insurance. Each person working at your spa should be covered under professional liability coverage. This coverage kicks in to pay for damages that result when a client is injured or alleges she is. It pays for things like legal fees, pain and suffering, and actual damages.

Oftentimes medical spas perform procedures on patients that require laser treatments, harsh chemicals, ideections, or even anesthesia. Because of this, the day spa insurance Kansas policy you choose should have far-reaching capabilities for many different unexpected scenarios.

Usually, a blanket liability coverage policy covers malpractice in the even that someone accuses your facility of wrongdoing that leads to ideury. It can also cover allegations of sexual misconduct. It should also cover HIPPA and disciplinary proceedings if your facility is accused of infractions against HIPPA policies.

Some other types of day spa insurance Kansas to consider include:

  • Product liability insurance. This coverage protects your business if a patient is injured due to malfunctioning equipment. For example, a laser malfunctions and causes or a patient is allergic to an ideection.
  • Cyber liability. If your business faces a claim brought about by a breach in data on your website, then this coverage protects you from financial harm.
  • Anesthetist liability. This coverage ensures that your business is not harmed by the action of anesthetists working for you.

Find out more about day spa insurance Pennsylvanina for your business. This insurance is a must for estheticians, massage therapists, personal trainers, and other professionals who provide weight loss, skin care, and other types of services. Find the right policy for your business, or choose updates and riders for your policy to make it truly reflective of your business needs by talking with a licensed and professional agent now.

Kansas Economic Data, Regulations And Limits On Commercial Insurance

Made In Kansas

Whether you're an experienced business owner who has successfully started several companies or you're a novice who is looking to establish your first startup, selecting the right location for your operations is extremely important.

It doesn't matter how stellar the products and services you offer are, if the location where your business is located doesn't offer a favorable climate, it's more than likely you aren't going to succeed.

With that said, if you're thinking about starting a new business or opening a division of your existing company in the state of Kansas, having an understanding of the economic data of the state is crucial.

Additionally, you it's also a good idea to know what type of commercial insurance policies you'll need to invest in if you operate a business in the state. Below, we provide an overview of this information so you can determine if the Sunflower State is the right place for your business endeavor.

Economic Trends For Business Owners In Kansas

In regard to job growth, the state of Kansas exceeds the national average. As of December, 2019, the unemployment rate was 3.2%, reports the Bureau of Labor Statistics; that's 0.3% lower than the national unemployment rate, which was 3.5% at the same time.

The rate has remained relatively steady, as it was 3.3% in December of 2018 and 3.5% in January of 2018; in fact, it has slightly improved. As per economists, the workforce and the economy is considered to improve or at the very least, remain steady, in upcoming years.

The state of Kansas, overall, is considered a good location for business owners; however, there are specific areas that provide better opportunities than others. Generally, these areas are the state's largest metropolitan regions and the suburbs that surround them, including:

  • Emporia
  • Kansas City
  • Lenexa
  • Merriam
  • Mission
  • Overland Park

Not only are these cities seeing an increase in the number of new businesses, but they also have an ample workforce, as well as a higher median income, than other areas in the state.

While there are several industries that thrive in KS, there are particular sectors that tend to do better than others. These include:

  • Advanced manufacturing
  • Aerospace engineering
  • Agriculture
  • Aviation
  • Biosciences and health
  • Cattle production
  • Energy
  • Food processing
  • Logistics and distribution
  • Non-fuel industrial minerals
Commercial Insurance Requirements In Kansas

The Kansas Insurance Department regulates insurance in KS. Kansas mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Kansas requires you to have worker's compensation insurance if you hire even one employee on a regular basis unless your business is involved in certain agricultural areas or has a gross annual payroll of less than $20,000. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Kansas also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Additional Resources For Health & Beauty Insurance

Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Health And Beauty Insurance

The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:

Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.

Estheticians - are trained to work with clients to treat skin care issues.

Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.

Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.

Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.

Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.

Salons - Similar to spas, salons are offer customers beauty treatments, services and products.

Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.

Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.

Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.

Minimum recommended small business insurance coverage: Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Valuable Papers and Records, General Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyber Liability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.


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Also find Kansasa insurance agents & brokers and learn about Kansas small business insurance requirements for general liability, business property, commercial auto & workers compensation including KS business insurance costs. Call us (620) 205-2115.

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