Coverage for Salons, Spas, and Health & Wellness Professionals
Whether you run a salon, spa, fitness studio, or wellness center, your clients trust you with their comfort, safety, and appearance. But every appointment comes with risk — from slip-and-fall injuries to product reactions or equipment damage.
At Catanzaro Insurance, we help beauty and wellness professionals in Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas get the right protection for their businesses. We understand your industry and make coverage simple, affordable, and fast.
Common Coverages for Beauty & Wellness Businesses
General Liability
Covers client injuries, property damage, or accidents that occur on your premises — such as slips, allergic reactions, or damage to a customer’s belongings.
Professional Liability (E&O)
Protects you if a client claims you made a mistake or provided a service that caused harm — like chemical burns, skin reactions, or service dissatisfaction.
Business Property
Covers your building, furnishings, and equipment against fire, theft, vandalism, or water damage.
Tools & Equipment
Protects your professional gear — clippers, dryers, massage tables, skincare machines — whether at your shop, in storage, or on the go.
Business Owners Policy (BOP)
Combines General Liability and Property coverage into one convenient, cost-effective package designed for small businesses.
Workers’ Compensation
Provides benefits for employees injured on the job (where required by law).
Optional Enhancements
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Product Liability: Covers products you sell or apply that cause harm or irritation
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Cyber Liability: Covers data breaches or hacking incidents from online booking systems
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Business Income: Protects income lost during downtime after a covered event
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Booth Renter Coverage: Individual protection for independent stylists and professionals
Who We Insure
We specialize in insurance for beauty and wellness professionals, including:
Whether you rent a chair, own a single shop, or manage multiple locations, we’ll tailor coverage for your operation size, services, and state regulations.
Why Choose Catanzaro Insurance
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Ohio-Based, Multi-State Reach: Serving clients in OH, IN, IL, IA, WI, AZ & TX
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Industry Expertise: We understand licensing, landlord, and vendor requirements
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Fast Quotes: Streamlined, no-hassle process
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Personalized Coverage: Every business gets a policy tailored to its unique risks
We simplify insurance so you can focus on your clients — not compliance.
Real-World Scenarios
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A client slips near the shampoo bowl — General Liability pays medical costs.
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A hair treatment goes wrong — Professional Liability covers the claim.
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A power surge damages your salon’s dryers — Business Property repairs or replaces them.
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A hacker targets your scheduling software — Cyber Liability handles recovery costs.
Explore Coverage by Business Type
Each business type has unique coverage needs — we make sure yours is protected from every angle.
Licensed & Serving Multiple States
While headquartered in Ohio, Catanzaro Insurance proudly provides coverage for beauty and wellness professionals in:
Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas.
Our policies meet state regulations and landlord or franchise insurance requirements — giving you confidence and peace of mind.
Beauty & Wellness Insurance FAQs
Do booth renters need their own insurance?
Yes. Booth renters operate as independent businesses and must carry their own liability coverage.
Is professional liability included in a BOP?
No — it’s a separate coverage specifically for service-related risks, like treatments gone wrong.
Does general liability cover allergic reactions?
Yes, as long as the reaction results from normal business operations and you weren’t negligent.
Do I need insurance if I work from home?
Yes — homeowners or renters policies don’t cover business-related risks. You need a business policy.
Get a Free Beauty & Wellness Insurance Quote
Protect your salon, spa, or wellness business with insurance built for your industry.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
or fill out the short form below for a fast, customized quote.
We’ll help you find affordable, reliable protection for beauty and wellness professionals in Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas.