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, and one slip, one reaction, or one frozen pipe in February can put all of it at risk. Western New York throws a lot at personal care and fitness businesses, from icy parking lots in Buffalo winters to clients pushing their limits on your equipment. Willoughby helps WNY owners like you protect the work you have put years into, with coverage that fits how your business actually 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
What health, beauty & fitness typically need.
A starting point, not a checklist. We tailor the right mix to your actual 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.
The Willoughby difference
One agent. Many markets. Your side of the table.
Willoughby is an independent, family-run agency that has served Western New York since 1952, so we shop many carriers for you, including The Hartford, Hanover, and others. You get a real local agent who knows WNY and lines up coverage that fits your business, instead of a one-size-fits-all policy.
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and more through our agency network.