Spa Insurance
Specialist policies for spa businesses and therapists.
- Public liability for spa & salon businesses
- Salon cover from £6.45 a month.*
- Flexible monthly payment plans at 0% APR
- Join over 180,000 customers**
From only £6.45* per month
Save 10% Onlineˆ
What does spa insurance cover?
Spa insurance is designed to protect wellness and spa businesses against the practical risks involved in delivering hands-on treatments in a calm, client-focused environment.
It provides essential cover if a client or visitor is injured, their belongings are damaged, or a treatment or product used by your spa leads to a claim. This includes incidents linked to massage, holistic therapies, facials, skincare and aromatherapy treatments.
Your policy can also be extended to protect your staff, premises, specialist equipment, retail products and income. Optional cover is available for employers’ liability, property damage and business interruption, along with protection against money loss, theft and assault-related incidents.
Together, these covers help protect your spa from unexpected claims and financial disruption, allowing you to focus on delivering exceptional wellness experiences.
Make sure you have the correct insurance for your activities, and be sure to check if any exclusions are relevant to what you have planned in the policy documentation.
Public & Products Liability
Equipment & Stock
Employers' Liability
Property Damage
Public & product liability
- Up to £5 million of cover
- Protects your spa if a client or member of the public is injured or their property is damaged as a result of your business activities
- Includes incidents arising from spa and wellness treatments, such as reactions to oils, skincare products or body treatments
- Covers liability for products sold or supplied as part of your services
- Includes liability under the Defective Premises Act 1972 (up to £1 million)
Professional treatment
- Cover specifically for injuries or damage resulting from treatments carried out by the business.
- Examples include reactions to products or treatment mishaps.
Employers Liability
- Up to £10 million of cover
- Protects your business if an employee becomes ill or injured due to employer negligence
- Applies to therapists, wellness practitioners, trainees and administrative staff
- A legal requirement if you employ staff, whether full-time, part-time or voluntary
- Does not include teaching or professional instruction (Professional Indemnity is not included)
Property damage protection
- Cover for accidental loss or damage to your spa’s physical assets, including:
Equipment away from the premises
- Covers portable treatment equipment used off-site, such as massage tables or wellness tools, against loss or theft within territorial limits
Glass
- Covers fixed glass, including decorative panels, partitions and signage
Stock in trade
- Protection for retail and treatment products such as oils, skincare ranges, candles and wellness items
Business contents
- Covers furniture, fixtures, treatment equipment, computer hardware and employees’ personal effects (up to £500 per person)
- Excludes jewellery, money, motor vehicles and furs
Tenant improvements
- Covers spa-specific improvements you’re responsible for, such as fitted treatment rooms, flooring, relaxation areas or built-in fixtures
Buildings
- Includes the buildings of the insured’s business premises where the insured is responsible, including shop fronts, landlord’s fixtures and fittings, fixed sanitary ware, and associated external features.
Money, assault & employee dishonesty
Money
- Cover for loss or theft of business money within set limits
- Applies at your premises, in transit, at employees’ homes and in vending machines
Assault
- Financial support if you or a member of your team is injured during a robbery or attempted robbery
- Includes a £10,000 capital benefit and £100 weekly benefit for temporary total disablement
Employee dishonesty
- Covers losses of up to £5,000 caused by dishonest acts involving money or property
Business interruption
- Business interruption insurance helps protect your spa’s income if insured property damage forces you to close or restrict trading.
Cover includes:
- Up to £500,000 loss of income (up to 24 months)
- £10,000 increased cost of working to help maintain operations
- £2,000 book debts cover if payments cannot be recovered
Cover may be triggered by:
- Property damage
- Utility or internet failure
- Denial of access
- Public authority restrictions
- Supplier failure
- Loss of attraction
Not available online for spas with annual turnover above £250,000 (underwriter review required).
- Teaching or professional instruction (Professional Indemnity NOT included).
- Damage to third parties not related to business activities.
- Any property damage if building and business conditions (e.g. security, fire safety) are not met.
- Vacant premises over 7 consecutive days.
- Storage of highly flammable substances
Certain exclusions may apply under each cover section as defined in the policy wording, please refer to policy documentation.
Why you need spa insurance
Running a spa is about more than creating a relaxing environment — it’s about protecting your clients, therapists, premises and the business you’ve built.
Even with the highest standards of care, unexpected situations can arise. A reaction to aromatherapy oils, a slip in a wet area, or damage to specialist equipment could all result in claims or lost income.
Specialist spa insurance helps protect your business against these risks, giving you confidence that you’re covered if something doesn’t go to plan.
When a treatment or product leads to a claim
Spa and wellness treatments can affect clients in different ways. A client may experience sensitivity, discomfort or believe a treatment or product caused harm.
Professional treatment and product liability cover helps protect your spa if a claim is made, covering legal costs and potential compensation so a single incident doesn’t threaten your livelihood.
When accidents happen at your spa
Spas often involve water, oils, heat and movement — all of which increase the risk of accidents. A slip, fall or damaged personal item could quickly turn into a claim.
Public liability insurance protects your spa if a client or visitor is injured or their property is damaged during their visit.
When your spa space or equipment is damaged
Treatment rooms, relaxation areas and specialist equipment are central to your spa experience. Fire, flood, theft or accidental damage could prevent you from operating.
Property damage and business interruption cover can help repair or replace essential items and protect your income while you recover.
Loss, theft, or damage to equipment.
Your salon space, tools and stock are essential to keeping your business running. Fire, flood, accidental damage or theft could leave you unable to trade and replacing equipment can be expensive.
Property damage cover can help protect your salon’s contents, stock, glass, tenant improvements and equipment, including items used away from the premises.
Protection for your staff in the case of workplace incidents
If you employ therapists or support staff, you’re responsible for their wellbeing at work. An injury or illness linked to employer negligence could result in a claim.
Employers’ liability insurance protects your spa in these situations, while optional cover for money loss, assault and employee dishonesty provides added financial security.
Our experts explain why...
“Our spa insurance is designed to protect your business if a client is injured, a treatment leads to a claim, or your premises or equipment are damaged.
We support spa owners and wellness operators delivering massage, holistic therapies, skincare and relaxation treatments, whether you manage a single spa or a larger wellness space.
Our cover helps protect not just against liability claims, but also your income and physical assets — so you can recover quickly and continue delivering exceptional client experiences.”
Chris Trotman, Protectivity Underwriting Manager
How much does spa insurance cost?
At Protectivity our Spa Insurance starts from £6.45 a month.*
The cost of insurance for spa businesses, general beauty or massage, depends on the type of cover you choose and the size of your business.
Factors such as employing staff, operating from a premises, the treatments you offer, and the value of your equipment or stock can all affect the price. The level of public liability cover and any optional extras, like employers’ liability or business interruption, will also influence the final premium.
Each policy can be tailored to suit your specific setup, so you only pay for the cover that’s relevant to your business.
Prices from
£6.45* a month
Explainer quote
Policy cost
£6.45* a month
Policy type
Spa Insurance
Turnover
Up to £250,000
Public Liability
£2,000,000
Product Liability
£2,000,000
This example is based on a real quote from our website on 24/03/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your spa insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Does my spa insurance cover all the treatments we offer, like massages, facials and body wraps?
Your policy includes professional treatment and product liability cover, which protects you for the treatments you are qualified to carry out—such as massage, facials, body wraps, skincare and holistic therapies. This also includes reactions to oils, creams, aromatherapy products or hands‑on techniques, provided the treatments fall within your insured activities.
What happens if a client has an allergic reaction to spa products or treatments?
If a client experiences a reaction or believes a treatment caused harm, your professional treatment and product liability cover is designed to protect you. It can cover legal costs and compensation if a claim is made, helping ensure a single incident doesn’t disrupt your business.
Are my spa equipment and products covered if they’re damaged or stolen?
Yes—if you include property damage cover. This protects your business contents, such as furniture, treatment beds, specialist equipment, computer hardware and stock like oils, skincare ranges and candles.
You can also add cover for equipment used off-site, glass, tenant improvements and retail goods. Theft, accidental damage and certain other incidents are included, provided security conditions are met.
Do I need separate insurance for my spa’s hydrotherapy pool, sauna or steam room?
Yes, these are not considered business equipment and will need more specialist insurance.
Am I covered if a visiting therapist or contractor causes injury to a client?
Your public liability insurance covers your business activities, but visiting therapists or contractors should have their own insurance for the treatments they provide.
If they are working under your supervision as employees, employers’ liability cover may apply. If they are independent, they must carry their own appropriate liability insurance.
Does my insurance cover damage to clients’ personal belongings while they’re using spa facilities?
Yes. Public liability cover protects you if a client’s personal belongings are damaged due to your business activities—for example, damage caused by oils, water exposure, or an incident in the treatment or changing areas. It does not usually cover unattended belongings unless the loss is linked to your negligence.
Is business interruption insurance included to cover lost income if a flood or fire forces the spa to close temporarily?
Business interruption cover can be added to your policy and helps protect your income following insured property damage such as fire, flood or major building issues. It can cover loss of revenue, increased costs of working and unrecoverable customer payments.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website on 24/03/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote. For full details on what is covered, refer to our policy documentation with your quote.
^10% introductory discount applies to the first-year policy premium only and is not available to current Salons customers. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data