Salon & Gym Insurance in Spain

Salon & Gym Insurance in Spain

Insurance for a salon, spa, gym or studio in Spain is a commercial premises policy with a treatment and participant liability section bolted to it. The premises half is familiar — fire, water damage, contents, glass, theft, lost takings. The half that decides whether the policy is any good is the other one: which treatments and activities are named, who is qualified to deliver them, and how far the liability reaches when a client is hurt rather than merely disappointed. As authorised exclusive Generali agents we rate it on your actual treatment list, issue the certificates your town hall and landlord require, and handle claims in English.

Where Treatment Liability Begins

Three different policies answer three different accidents in the same salon, and knowing which is which is most of the job:

• A client slips on a wet floor. That is public liability (RC de explotación) — the ordinary premises risk any business carries.
• A client reacts badly to a colour or a wax. That is treatment liability, the extension that makes a salon policy a salon policy. It responds where harm results from a treatment you performed, provided the treatment was declared and the product protocol followed.
• A client claims a course of treatments or a training programme was wrongly recommended. That edges into professional indemnity territory — financial loss from advice rather than physical injury from an act.

Most salons need the first two and can ignore the third. Practitioners who prescribe programmes, diet plans or courses of treatment — and anyone advising as much as treating — should look at the third as well. The public liability page explains how the Spanish RC modules fit together across all three.

What the Policy Covers

• Public liability — injury to clients and visitors on the premises, and damage to their property.
• Treatment liability — harm arising from the declared treatments themselves.
• Product liability — reactions to products you apply or sell for home use.
• Employers' liability (RC patronal) — claims from your own staff, with the per-victim sub-limit checked.
• Contents and equipment — chairs, basins, dryers, treatment beds, cardio and resistance machines, sound and screen systems.
• Tenant's improvements (obras de reforma) — the fit-out you paid for, which in a salon is usually the largest single figure.
• Stock — retail lines, colour, consumables.
• Glass — frontage, mirrors and internal glazing, which a mirrored salon has a great deal of.
• Fire, water damage, storm, theft and robbery, including cash held on the premises.
• Loss of takings while an insured loss keeps you closed.
• Legal defence (defensa jurídica) and 24-hour emergency assistance.

Gyms, Studios and Personal Trainers

A fitness business carries the same premises risks with a different liability profile, because the client is exerting themselves under your supervision:

• Participant injury is the main exposure — a member hurt on equipment, in a class or during supervised training. Cover turns on whether the equipment was maintained and the activity properly supervised, so keep the maintenance and induction records.
• Equipment maintenance is an underwriting condition as much as a safety one. Cardio and resistance machines have manufacturer service intervals; the log is the first thing requested after an equipment claim.
• Classes and instructors — list the disciplines you run. Contact martial arts, climbing, aerial and high-intensity formats are rated differently from yoga and pilates, and an unlisted discipline is an unlisted risk.
• Freelance instructors and personal trainers using your premises need their own liability policy, exactly as chair renters do in a salon.
• Training away from the premises — outdoor bootcamps, beach sessions, clients' homes — must be declared, because a premises-based policy stops at the door.
• Member accident cover can be added as a benefit that pays the member directly after an accident, independently of whether anyone was at fault. See collective accident insurance.

Optional Extras

• Higher-rated treatment schedule — laser and IPL, microblading, peels, piercing and permanent make-up.
• Equipment breakdown (avería de maquinaria) — treatment machines, cardio equipment, saunas and pool plant.
• Equipment all-risks — portable and mobile kit, including accidental damage.
• Member and participant accident cover — see collective accident insurance.
• Higher liability limits — where a landlord, centre or regional rule sets a minimum.
• Off-site and mobile working — home visits, outdoor classes, events and pop-ups.
• Cyber cover for booking systems, memberships and client records — see cyber risk insurance in Spain.
• Convenio colectivo policy for the staff benefits your collective agreement mandates — see convenio (CLA) insurance.
• Your own protection — if you are the therapist or trainer, your hands and your health are the business. See the autónomo insurance package.

How to Get a Quote

1. Call or email us — ring 966 461 625 or email info@turnerinsurance.es. Our English-speaking team is available Monday to Friday, 09:30–15:00.
2. Bring the treatment or class list — everything you offer, who delivers it and what qualifications they hold, plus the floor area, the equipment and whether anyone rents a chair or room from you.
3. We set out the cover levels — as authorised Generali agents we present the options that match your treatment list and premises, and say plainly which treatments would need to be rated separately. No pressure, no obligation.
4. Your policy is set up — we arrange everything and send your certificate and English-language documents promptly, including anything your town hall or landlord requires.

Salon & Gym Cover Levels

See also our commercial & office insurance page, professional indemnity in Spain, shop & retail insurance and the autónomo insurance package if you run the business yourself.