Spa Insurance

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Spa insurance tailored to your business

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Monthly payment option

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Why choose Ripe for Spa Insurance?

Cover for clients and treatments

Public Liability cover helps protect you if a client makes a claim, so you can focus on delivering treatments with confidence.
Protection for your team

Employers’ Liability cover supports your business if a member of staff is injured at work, giving you peace of mind day to day.
Cover for equipment and furnishings

Your equipment, products and furnishings can be protected against damage or theft, so you are not left covering unexpected costs.

What is spa insurance?

While there’s nothing quite like the calming atmosphere of a spa, running one is far from stress‑free. Behind the scenes, spa owners and therapists manage a range of responsibilities, from client safety and staff wellbeing to equipment maintenance and the daily demands of running a busy business.With so many moving parts, even the most careful spa professionals can face unexpected challenges. This is where spa insurance can help. The right cover acts as a financial safety net, potentially protecting your business from costly legal fees or repair bills should something go wrong.

Beyond day‑to‑day protection, specialist spa insurance can provide confidence and peace of mind, allowing you to focus on what you do best: creating relaxing, restorative experiences for your clients. From treatment liability to business interruption, tailored cover can safeguard your business so you can continue operating smoothly, even in the face of the unexpected.

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What does spa insurance cover?

Public & Products Liability – up to £10m
Treatment risk cover – protection for third‑party injury or property damage following spa or beauty treatments, up to £3m

Contents & shop front – cover for fixtures and fittings up to £250k
Employers’ liability – up to £10m for employee illness or injury
Buildings cover – up to £500k for the spa building, walls, gates and outbuildings
Teaching cover – compensation for negligent acts during paid training
Money cover – theft of business money up to £2.5k
Business interruption – loss of turnover or increased running costs up to £500k
Legal cover – up to £100k for a range of legal disputes

Spas with a swimming pool or accommodation attached
Working abroad – UK‑based work only
Injectable treatments – plus other specifically excluded treatments
Injury to the public while teaching – students must hold their own cover
Closure due to disease – pandemics classified by the WHO are not included
Theft from unlocked or unattended vehicles – unless in a locked boot or a covered luggage area
Buildings & contents exclusions – wear and tear, defects, vermin, or theft/escape of water when unoccupied for 30+ days
Money cover exclusions – theft by employees not reported within 7 days; theft from an unattended vehicle

For more information, visit the Important Documents page.

Spa Insurance FAQs

The cost of spa insurance can depend on several factors. These can include:
- The level of cover you purchase
- The number of staff you employ
- The location of your business premises
Ripe gives you control over your policy so you only pay for the cover you need.
Spa insurance is a form of financial protection that can protect your spa. Depending on the level of cover you purchase, insurance can provide cover against theft or damage to your equipment or premises, along with liability to employees and customers.
Public and product liability cover is designed to protect you from any third-party claims for injury or property damage arising from the running of your spa.
Let’s say you spill something on your client’s expensive belongings, and they make a claim against you, public liability cover would protect you financially.

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If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!

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