While it's not required by law, we still recommend it. There are several advantages to getting your bath and body business insured. First and foremost, it protects your family’s assets in case anything goes wrong. If you apply for a loan, your bank usually requires insurance. Another reason we recommend insurance is because people can sue or claim damages for anything and everything. Finally, if you experience something like a fire or natural disaster, your business property may not be covered under your homeowners insurance.