Spas or Personal Enhancement Facilities

What Does GL Code 18200 Cover?

ISO GL class code 18200 classifies businesses operating as spas or personal enhancement facilities. This includes establishments offering a range of services focused on relaxation, beauty, and non-medical personal well-being, such as massage, facials, body treatments, and other aesthetic services. It covers the general liability exposures associated with client interactions and facility operations.

Who Uses This Class Code?

This code is typically used by day spas, beauty salons offering spa services, wellness centers focused on non-medical treatments, massage therapy clinics, and establishments providing services like aromatherapy, hydrotherapy, and aesthetic skin care.

Common GL Claims for This Class

Common claims for spas and wellness centers include client injuries from slips and falls, adverse reactions to products or treatments (e.g., skin irritation from facials, burns from hot stones), and property damage caused by spills or equipment malfunctions.

Coverage Tips for Code 18200

• Ensure your Commercial General Liability policy includes coverage for professional liability, as many spa services carry a risk of injury or adverse reactions.
• Verify that your policy explicitly covers 'products-completed operations' to protect against claims arising from products used or services rendered after the client leaves your facility.
• Implement robust client intake forms and waivers that clearly outline risks and obtain informed consent, as this can be crucial in defending against claims.
• Regularly inspect and maintain all equipment, particularly those involving heat or water, to prevent malfunctions that could lead to client injury or property damage.