Commercial Insurance
Health, Beauty & Fitness insurance.
Insurance built for WNY salons, spas, gyms, and studios.
Who we cover
You built your salon, spa, gym, or studio on trust and steady hands. Your insurance needs depend on the services you offer, the equipment you use, and the people who visit your space. From icy parking lots in Buffalo winters to treatment and equipment risks, we will help you review what matters for your business and find coverage that fits how it runs.
Risks we see in WNY
- A client slips on a wet floor or icy walkway and gets hurt
- Allergic reaction or skin injury from a treatment, color, or product
- An injury on gym or studio equipment leads to a liability claim
- Theft or damage to expensive tools, devices, and inventory
- A burst pipe or fire shuts you down during peak season
- An employee gets hurt on the job
- A client claims a treatment or service caused harm
Coverage that fits
Coverage to consider for your business.
Use these as a starting point for a conversation. We will help you review which coverages fit your operation.
General Liability
Covers third-party bodily injury and property damage claims, like a client who slips and falls in your space.
Professional Liability
Responds to claims that a treatment, service, or technique caused a client harm, which general liability does not cover.
Commercial Property
Protects your space, equipment, tools, and inventory against fire, theft, water damage, and other covered losses.
Business Income
Helps replace lost revenue if a covered event like a fire or pipe burst forces you to close temporarily.
Workers' Compensation
Required in New York once you have employees, and it covers medical costs and lost wages if a staff member is hurt on the job.
Business Owners Policy (BOP)
Bundles general liability and commercial property into one package that often fits salons, studios, and small fitness businesses well.
Local guidance
Help understanding your options.
Willoughby is an independent, family-run agency that has served Western New York since 1952. We compare options from carriers including The Hartford, Hanover, and others, and your local agent helps you understand which coverages fit the services you provide.
Request a consultationCarriers we work with
and more through our agency network.