Specialized Insurance Coverage for


As wellness and beauty trends and therapies keep changing, the risks involved in running these establishments have multiplied exponentially. But that is where specialized insurance coverage for health and beauty businesses comes to the rescue. Tailored for salons and spas, tanning studios, wellness centres, and Nordic spas, this type of insurance offers comprehensive coverage to help owners navigate the challenging insurance landscape of their businesses.

Notable Coverages:

  • Participants, Abuse, and Related Sub-Contractors included
  • No Co-Insurance Penalty on Property Limits
  • 24-Month Business Interruption
  • 8-Point Crime Coverage
  • Professional Liability Included
  • Tenants Legal Liability ($2 Million) Included
  • 24-Month Business Interruption
  • Participants Coverage Included
  • Contents In Transit
  • Flood, Earthquake & Sewer Back Up
  • Much More!

Salon & Spa Insurance

Are you sick of having to explain what you do to your insurance company? Don’t worry… we know and understand your business! Relax and enjoy knowing you have the most comprehensive policy available in Canada, specifically tailored to be exactly what you need.

We cover a wide range of businesses from individual estheticians to high-end spas. Sports & Fitness Insurance Canada was even the first company to offer a program insuring teeth whitening businesses!

Whether you are mobile, operate from a kiosk, or own your own salon we make sure you have the coverage you need to protect your business. This year let your insurance experience be fast and easy with us.

tanning bed

Tanning Salon Insurance

Sports & Fitness Insurance Canada covers niche businesses such as tanning studios and mobile tan professionals. We understand what you do and have the coverage you need. If you are not only SmartTan certified but also a member of the SmartTan Association, you may be eligible for an additional discount on your liability premium!

Does your tanning salon offer other beautification services? Don’t worry, we’ve got you covered! With our expertise in the beauty market, we can easily add other operations to your policy.

With this coverage, business owners can stay focused on their services, leaving the insurance worries to their trusted partners. Simply complete and return an application with a copy of your SmartTan (or equivalent) certificate.

Young woman getting tan at solarium

Wellness Treatment Centre Insurance

We know it can be difficult to find coverage that will encompass the many service categories offered under this very broad business sector. Sports & Fitness Insurance Canada offers our specialty insurance to wellness centres of all shapes and sizes, including but not limited to physiotherapy/athletic therapy, stress management, chiropractic, acupuncture and other natural healing practices, senior wellness services, and much more. Let the experts help!


Nordic Spa Insurance

Just like the relaxation and ease of stress offered to clients at a Nordic Spa, we take the stress out of the insurance quoting and renewal process! Sports & Fitness Insurance Canada understands what makes you different from a typical spa so we appreciate finding coverage can be difficult for the unique experience you provide. Let us help you by ensuring you have all the necessary coverage needed, so you can sit back and relax!


Peace of Mind • 24 - 48 Hour Quote Turnaround • Serving You Since 1998

We offer unique insurance policies custom made for your industry!

Sports & Fitness

Sports & Fitness

We offer insurance coverage to Health Clubs, Personal Training Studios, Individual Trainers, Teams and Leagues, Dance and Martial Arts Studios, Special Events and more!

Excess Liability & Umbrella

Excess Liability & Umbrella

We offer increased liability coverage to existing commercial general liability policies to other low to medium-risk businesses. Save money, satisfy lease requirements and more!


Explore our Frequently Asked Questions section.