Underwritten by Aviva Insurance Limited

Massage Insurance

Massage insurance with individuality

UK customer service team
Rated ‘Excellent’ on Trustpilot
Underwritten by Aviva
Award-winning insurance

What is massage insurance?

Specialist massage insurance is a form of financial protection designed to protect your business from any claims from clients, or if anything was to happen to your equipment or premises.

Depending on the level of cover you choose, you can also get legal cover or protection for any money you have in your business premises.

Why should massage therapists consider insurance?

As a professional massage therapist, you always hope that accidents won’t happen – but they still can. Whether it’s a client having a bad reaction to a treatment or theft of your equipment, there are always potential risks.

Massage insurance would be able to protect you against any of these potential risks so you can then focus on your business and spend last time worrying about any potential incidents.

Why choose Ripe

Insurance you can get creative with

The beauty of our flexible cover means you choose what you need and won't pay for anything you don't.

Beautifully simple

We've made taking out cover online super quick and beautifully simple, with no lengthy forms or confusing jargon.

We wow our customers too!

Not only is our cover rated 'Excellent' on Trustpilot, but 98% of our customers intend to renew their cover with us.

Explore Page

Our cover

Important documents

Why choose us?

FAQs

Help and advice

Explore page

Our cover Important documents Why choose us? FAQs Help and advice

What does massage insurance with Ripe cover?

What's covered

Public and Products Liability

Up to £10m of cover is included as standard and can protect you against third-party claims for injury or property damage.

Treatment risk cover

Protects your liability against third-party claims for injury or property damage following beauty treatments up to the value of £3m.

What's not covered

Working abroad

Policyholders working in the UK can only be covered. Claims brought in from another country cannot be covered.

Injury to the public whilst teaching

Teaching cover does not include this, as students must have their own insurance to protect their liability.

Closure due to disease

Business interruption cannot be covered due to disease outbreaks classified as pandemics by the World Health Organisation.

Theft from unattended and unlocked vehicles

Theft from unattended vehicles cannot be covered, unless all points of access are locked or the vehicle is stolen at the same time.

Exclusions to buildings, shop front, and contents cover

Excludes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the salon has not been occupied for 30 consecutive days.

Exclusions to money cover

Excludes theft from employees if not reported to the police within 7 days and theft from an unattended vehicle.

What's optional

Contents, stock, and shop front cover

You can cover your contents, stock, shop front, fixtures, and fittings up to a combined value of £250k.

Employers’ liability

This cover protects your liability following illness or injury to an employee up to the value of £10m.

Buildings cover

We provide up to £500k of cover for your salon’s building, including any outbuildings, walls, gates, and fences.

Teaching cover

Provides cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.

Money cover

You can cover the theft of money from your business up to the value of £2,500.

Business interruption

Covers loss of turnover or the additional costs of keeping your business running up to the value of £500k if you cannot trade.

Legal cover

You can select up to £100k of cover for costs incurred from defending or pursuing a claim for a range of legal issues.

Get a quote

Why choose us?

You can get the specialist cover you need easily, leaving you to focus on your clients.

Insurance with individuality

Just like your services will be unique to each of your clients, you can tailor your insurance to suit the unique needs of your business.

We keep our customers happy

Over 320,000 happy Ripe customers already trust us for their insurance cover. Join them and enjoy the confidence it brings.

We’ve got good chat

Like you, we know how important it is to build a rapport with your clients, so our UK based customer service team is on-hand to talk.

Hair & Beauty (Mobile & Freelancers)

Hair & Beauty (Salon & Business)

Tradesmen Insurance