Running a resort or spa isn’t just about creating a luxurious experience — it’s about protecting your investment, staff, and guests. As the hospitality and wellness sectors evolve, so do the risks they face. From liability concerns to rising expectations in wellness delivery, today’s resorts and spas must be covered from all angles. Hospitality insurance from Provident Protection Plus provides that peace of mind, delivering protection that’s as comprehensive as your services.
The Expanding Definition of Wellness
The hospitality industry is rapidly adapting to a broader definition of wellness. According to the 2025 Global Wellness Summit, the future of wellness includes trends like “analog wellness,” the resurgence of social sauna culture, and mindful travel experiences. Resorts and spas now play an active role in public health and mental well-being, offering far more than massage and skincare.
This expanded role means facilities may offer services such as nutritional guidance, addiction recovery retreats, or holistic programs targeting teen mental health. As these offerings grow more complex, so do the liabilities, making comprehensive insurance coverage an essential part of business planning.
Unique Risks in Resort and Spa Operations
With more services come more potential exposures. The right hospitality insurance program should address:
- Injuries from slippery spa floors, broken equipment, or improperly performed treatments
- Allegations of service-related harm, such as burns, allergic reactions, or emotional distress
- Equipment breakdowns that disrupt essential services like saunas, hydrotherapy, or fitness centers
- Theft or damage to valuable products, electronics, and guest belongings
- Business interruption due to weather events, utility failures, or supply chain issues
- Cybersecurity risks from online booking platforms and guest data systems
Core Coverage Areas for Protection
Provident Protection Plus works closely with resorts and spas to customize a complete insurance package, which can include:
- Commercial property coverage for buildings, furnishings, and wellness equipment
- Business interruption insurance to safeguard income during closures
- General liability and professional liability to address accidents and service-related claims
- Cyber liability to protect guest data and booking systems
- Commercial auto insurance for guest transport and delivery vehicles
- Employment practices liability for staff-related claims
- Liquor liability and umbrella policies to cover high-risk exposures
We also help clients assess property valuations, ensuring that wine collections, artwork, and wellness equipment are insured appropriately.
Risk Management for Long-Term Stability
Insurance is only one part of a larger risk-management strategy. By implementing proactive safety practices and staff training, hospitality businesses can help lower premiums and reduce the frequency and severity of claims. Effective risk management includes:
- Ensuring property valuations are up to date
- Identifying and addressing service-related risks
- Training staff on equipment safety and guest interactions
- Developing procedures for incident documentation and response
Why Choose Provident Protection Plus?
Resorts and spas throughout Pennsylvania, New Jersey, and New York trust Provident Protection Plus for personalized insurance solutions. With more than 65 years of experience and access to top-tier carriers, our experts understand what it takes to protect your unique operation. Whether you’re managing a serene mountain retreat, an upscale urban spa, or a coastal resort, we’re ready to help you safeguard your business and your reputation.
Contact us today to review your hospitality insurance program to be ready for what’s next.
About Provident Protection Plus
For more than 65 years, Provident Protection Plus has served businesses and residents across several states nationwide. Today, we are a wholly owned subsidiary of Provident Bank, the region’s premier banking institution. To learn more about our coverage options, contact our specialists today at (888) 990-0526.