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Underwritten by Aviva Insurance Limited
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Spa Insurance

Spa insurance with individuality

  • UK customer service team
  • Quick and simple process
  • Over 25 years' experience
  • Award-winning insurance

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What is spa insurance?

While there is nothing better than having a nice relaxing time at the spa, being responsible for a spa business comes with its fair share of risks.

This is where spa insurance comes in. Insurance can help protect you against expensive legal or repair costs in the event of a fire, theft, or an injured customer or member of staff.

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

What does spa 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

  • Spas with a swimming pool or any accommodation attached

  • Working abroad

Cover is available to policyholders working in the UK and cannot cover claims brought in from another country.

  • Treatments involving the use of injections

The cover will not include any treatment involving the use of injections, alongside a list of specifically excluded treatments.

  • Injury to the public whilst teaching

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

  • Closure due to disease

Cover for business interruption due to disease outbreaks classified as pandemics by the World Health Organisation is not covered.

  • Theft from unattended and unlocked vehicles

Theft from unattended vehicles 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.

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Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Other beauty trades we insure

Hairdressers

Beauticians

Nail Technicians

 

We also cover a list of treatments included as standard for each trade. You can view them here.

 

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.

Find out more

Spa insurance FAQs
  • How much does spa insurance cost?

    • The cost of spa insurance can depend on a number of factors. These can include:

      • The level of cover you purchase

      • The number of staff you employ

      • The location of your business premises

      Here at Ripe, we give you control over your policy so you only pay for the cover you need.

    What is spa insurance?

    • 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.

    What is spa liability insurance?

    • 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.

Help and advice for your business

A guide to starting a beauty business

Looking to start your own beauty business? Here is our ultimate guide on how to get started.

Read our business guide here

The ultimate guide to hairdresser equipment

As a hairdresser, it's vital that you have the right tools. Here is our guide on getting the best equipment.

Read our guide here
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