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gateway special insurance berkshire hathaway


Phone: 877-977-4474 | Fax: 610-254-1855
Send Completed Applications to submissions@gatewayspecialty.com

Spa

 

Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for a spa including medical or day.

 

Get a quote for a spa by completing one of the below applications:

 

 

Coverage for a spa can include: 

General Liability

Directors & Officers Liability

Employment Practices Liability

Abuse and Molestation

Professional Liability

Crime

Business Personal Property

Special Events

Hired and Non-Owned Auto

Employee Benefits Liability

Cyber Liability

Umbrella


Policy highlights can include:

  • Defense outside limits
  • Separate or shared limits for psychiatrists, psychologists and other MD/mid-levels professionals
  • Industry leading broadening forms
  • Broad definition of who is an insured
  • Easy access to brokers
  • Underwriting expertise with limited customer distribution
  • Ability to provide admitted and non-admitted terms
  • Risk management services
  • Separate limits for General Liability, Professional Liability as well as Abuse and Molestation
  • In-house claims experts

Spa claim examples:

Directors and Officers Claim:
A donor made a large contribution to a day spa requesting that the money be used to enhance their equipment. The
board instead votes to use the money to buy an entrance for the office. The donor files suit alleging misappropriation
of funds.

Property Claim:
A fire breaks out as a result of equipment malfunction in the medical spa office, which results in extensive smoke and
heat damage to both the office and its contents and forces the owner seek an alternative facility for a period of one
month. The organization suffers a loss of $120,000 in property/equipment damage and extra expenses.

Abuse and Molestation Claim:
An employee of a spa was working with a personal client at their facility. During the appointment, the employee rubs
the client's knee and leg in a unprofessional way. The client sues the organization’s Abuse and Molestation coverage
for bodily injury and mental duress.

General Liability Claim:
A patient at a medical spa slipped and fell in the bathroom and broke his arm. The patient filed a lawsuit against the
organization for pain and suffering, medical bills and rehabilitation expenses.

 

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