Short answer: Some spa policies cover heat, cold and water services when disclosed, while others exclude or restrict them. Burns, slips and health events are the key exposures.

The details

Posted rules, time limits and maintenance logs matter.

Disclose every amenity when applying.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: saunas & hydrotherapy · spa insurance.

More questions: What insurance does a nail salon need? · Are booth renters employees for workers’ comp? · Does spa insurance cover massage?.

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