Treatment and leisure

Sauna and Solarium Insurance

Saunas, steam rooms, sunbeds and solarium treatments create heat, equipment, hygiene, customer injury and treatment-risk exposures that should be declared separately from a generic salon or leisure policy.

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Who It Is For

  • Tanning salons and solarium operators
  • Spas, gyms, hotels and wellness venues with sauna or steam facilities
  • Beauty or treatment businesses adding heat or UV-based services

Cover To Review

  • Public liability and treatment liability
  • Employers' liability for staff
  • Equipment breakdown, contents, stock and business interruption
  • Property, cyber, legal expenses and management liability where relevant

Underwriting Detail

  • Treatment menu, equipment type and manufacturer maintenance
  • Patch testing, consent forms, contraindications and staff training
  • Cleaning, inspection logs, ventilation and fire controls
  • Claims history, opening hours and customer supervision

Related Insurance Pages

Sauna and Solarium Insurance FAQs

Do tanning salons need specialist insurance?Often yes, because UV equipment, treatment consent, customer injury and maintenance controls can affect insurer appetite.

Can a gym or hotel include sauna cover?It can be reviewed, but sauna, steam room or solarium facilities should be declared clearly.

What evidence helps insurers?Maintenance records, cleaning logs, treatment procedures, staff training and incident history all help.