(888) 900 0205Tanning Salon Insurance
A tanning salon sells minutes under regulated equipment, timed to skin type, logged by session, and watched by state health departments.
Tanning salon business insurance is built for that reality: liability for burns and eye claims, professional coverage for exposure advice, equipment protection for the beds themselves, and the documentation habits that decide whether a claim settles small or grows teeth.
Feedback From Real Clients
Curtis Yocom
1 week ago
★★★★★
Karo Ovasapyan
2 weeks ago
★★★★★
I 'VE BEEN WITH USA BUSINESS INSURANCE FOR 14 YEARS. THEY'RE REALLY GOOD AT GENERAL CONTRACTOR INSURANCE. THEY ALWAYS GET MY PAPERWORK DONE ON TIME. I TRUST THEM AND RECOMMEND THEM TO OTHER CONTRACTORS.
Jared Raub
2 weeks ago
★★★★★
Easy to get a quote Very competitive prices Even easier to close, sign, and receive documents Excellent customer service.
Christina Wyckoff
3 weeks ago
★★★★★
Jake Killion
1 month ago
★★★★★
Cristo Romo
1 month ago
★★★★★
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Muhammad Sadatullah
1 month ago
★★★★★
Tee
1 month ago
★★★★★
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1 month ago
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2 months ago
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General Liability Insurance For Tanning Salons
For the premises, the sessions, and the claims that follow them.
General liability insurance may cover customer injuries at the salon, such as a slip in a wet room, a burn a customer blames on a session, or eye irritation blamed on missing goggles, along with products liability for the lotion wall. How a policy treats claims alleging long term skin harm varies by carrier and form, and that is the first question we put to the market, not the last.
General liability can help pay for:
- Customer injuries on the premises.
- Burn and eye injury claims tied to sessions.
- Claims tied to lotions and products you sell.
- Legal defense, whatever the merit of the claim.
Professional Liability For Tanning Services
For skin typing, session advice, and the spray booth.
Professional liability insurance may respond when the advice itself is blamed: a session schedule a customer says ignored her skin type, a spray tan reaction, a red light session that clashed with a medication nobody asked about. In a trade where staff assess skin and set exposure times, the service is a professional act, and it deserves a professional policy behind it.
Professional liability can help pay for:
- Claims alleging negligent session or skin type advice.
- Spray tan and product reaction allegations.
- Legal defense and settlements, up to policy limits.
Commercial Property And Equipment Breakdown For Tanning Beds
For the beds, booths, and lamps that are the business.
Commercial property insurance may cover your beds, booths, spray systems, and buildout against fire, theft, and similar perils, and equipment breakdown picks up sudden electrical failures that sideline a bed, ballasts, timers, and control boards. A salon is a room full of six-figure equipment on financing, and lessors expect loss payee wording with values that match the schedule.
Property and equipment breakdown can help pay for:
- Fire and theft losses to beds, booths, and buildout.
- Sudden electrical and mechanical breakdown of tanning equipment.
- Lost income during a covered closure.
Cyber Liability Insurance For Membership Billing
For the cards on file behind every EFT draft.
Cyber liability insurance may cover breach response, notification, and liability after a compromise of your systems, and the membership model makes this trade data-heavy: recurring billing means stored cards, contact records, and draft authorizations for every member on the books. That file is exactly what breach notification laws cover.
Cyber liability can help pay for:
- Breach response, forensics, and member notification.
- Liability tied to compromised billing data.
- Ransomware response and system restoration.
Workers Compensation For Salon Staff
For the crew running the desk, the beds, and the cleaning rotation.
Workers' compensation may cover medical bills and lost wages when an employee is injured at work, from a slip while cleaning beds to a strain from flipping acrylics during lamp changes. Most states require coverage once you hire, with rules that vary by state, and salon class codes keep it affordable.
Workers' compensation can help pay for:
- Medical care after cleaning and maintenance injuries.
- Lost wages during recovery.
- Employer liability defense.
Business Owners Policy For Tanning Salons
For the package price this storefront trade usually earns.
A business owner's policy can bundle liability, property, and business income coverage for qualifying salons at a package rate, with professional coverage and an equipment breakdown included. Here is how a BOP works.
A business owner's policy can help pay for:
- Third-party injury and property damage claims.
- Covered losses to the salon and its equipment.
- Lost income during a covered closure.
Also worth pricing as the salon grows: excess liability for franchise and landlord limits, employment practices liability, hired and non-owned auto coverage for mobile spray tan work, crime coverage for the drawer, and the rest of our personal services programs.
You May Need Business Insurance If You Do The Following Work
If customers tan under your roof or your nozzle, the exposure exists, three beds or thirty.
- UV bed and booth sessions.
- Spray and sunless tanning.
- Mobile spray tan services.
- Red light therapy add ons.
- Lotion and eyewear retail, alongside our retail store clients.
- Memberships and EFT billing.
- Skin type consultations and session scheduling.
- Tanning inside gyms and salons as a hosted operation.
- Franchise locations with brand insurance schedules.
- Adjacent beauty services, the territory of our laser hair removal clients.
What's Not Covered Under These Policies
Every policy above has an edge, and tanning claims get denied at predictable points. These are the gaps we check on every incoming salon.
- Claims alleging long-term skin harm, where policy treatment varies widely by carrier and form. Ask how your policy reads before you need the answer, because this is the exposure the market underwrites hardest in this class.
- Sessions sold to minors against state law. A growing list of states bars anyone under eighteen from UV beds; others require parental consent, and coverage does not follow conduct the state prohibits.
- Injuries to your own staff, which belong to workers compensation rather than liability coverage.
- Lamp aging and gradual equipment wear are maintenance, while sudden breakdown falls under equipment breakdown.
- Retail lotion claims when the product line was never disclosed to the carrier.
- A breach of membership billing data without cyber coverage.
- Mobile spray tan runs in personal cars without hired-and-nonowned auto coverage.
- Health department fines and registration penalties, which are compliance matters, not insurable losses.
Who May Require Proof Of Insurance
For a tanning salon, the certificate requests come from the lease, the lessor, and the flag.
Your landlord requires liability coverage in the lease, with the building owner named as an additional insured. Equipment lessors and lenders require loss-payee wording on financed beds; franchise agreements set brand insurance schedules, audited at renewal; gyms hosting a tanning room require certificates before the door unlocks; and several states tie facility registration to operating requirements that a carrier will ask about.
Every request results in a certificate of insurance with the correct wording. We issue them the same day because a lease signing or a bed delivery should never be stalled by paperwork.
Why choose us
Numbers that prove it.
Independent. Licensed in all 50 states. Backed by partnerships with the carriers that matter to your business.
1,000+
Trades Insured
18+
Years In Business
240+
Insurance Carriers
Our Partners
We partner with A-Rated AM Best Insurance Companies (ratings subject to change)
FAQs For Tanning Salons
Are customer burn claims covered?
Burn claims tied to a session are the classic exposure here, and liability coverage may respond, subject to policy terms. What determines them in practice is documentation: skin typing at intake, posted exposure schedules, timer logs, and session records showing the salon followed its own rules.
What about eye injuries and goggles?
Protective eyewear is a regulatory expectation for UV sessions, and eye injury claims usually turn on whether eyewear was provided and documented. A check-in log with an eyewear line, signage at the beds, and a sanitation routine make these claims short. Verbal offers with no record make them long.
Are claims about long term skin damage covered?
Honest answer: it varies. Policies differ in how they treat claims alleging harm that develops over years, and this is the single most important coverage question in the class. We put it to the carrier in writing during placement, and any salon owner shopping for coverage should insist on the same.
Can minors use our beds?
That depends entirely on your state. A growing number of states prohibit UV tanning for anyone under 18; others require parental consent, and rules vary. Keep a written age verification policy, check IDs every time, and know that coverage does not rescue sessions the law prohibits.
Does mobile spray tanning change our coverage?
Yes. Off-premises work should be disclosed so liability follows the nozzle out the door, and staff driving personal cars to appointments need hired-and-nonowned auto coverage behind them. Hosts and event venues will ask for certificates, which the mobile endorsement conversation covers.
Your Salon Runs On Trust And Timers. We Insure Both.
We insure the tanning trade from three-bed neighborhood salons to franchise stores running UV, spray, and red light under one roof, and we know what a lessor, a health inspector, and a claimant's attorney each look for in a salon's file. Tell us your bed count, your intake routine, and how you verify age, and we will build the package around it, the session documentation first, because in this trade the paperwork is the defense.
Quotes are free and certificates go out same day.
Call 888-900-0205 to get started.