Tanning Salon Insurance
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Compare tanning salon insurance quotes from specialist UK brokers. One quick form covering public liability, treatment liability, equipment breakdown and contents — tailored cover for sunbed and spray tan businesses.
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Compare quotes from specialist beauty & salon brokers
Quotes are provided by a panel of specialist insurance brokers. All providers are FCA regulated.
GET MULTIPLE QUOTES →Why compare tanning salon insurance with MultiQuoteTime?
With MultiQuoteTime, you can easily compare multiple beauty or tanning salon insurance quotes from insurance providers that specialise in beauty cover. We understand that finding the right cover can be both time-consuming and at times frustrating!
Enter MultiQuoteTime providing access to multiple quotes for your beauty services – and it’s 100% free!
How Much Does Tanning & Sunbed Shop Insurance Cost?
The cost of tanning salon insurance differs from one salon to the next. The cost depends on several factors, such as location of the business, level of coverage, safety measures in place, type of services offered and type of building in which it’s located.
Whether you run a sunbed shop, tanning bed salon or mobile spray tan business, premiums will vary based on your specific setup and risk profile. A small mobile spray tan operator will typically pay less than a high street sunbed salon with multiple beds and staff.
Typical Price Range
Tanning salon insurance premiums in the UK typically range from around £300 to over £3,000 per year, depending on the size of your business, the number of sunbeds, your claims history and the level of cover you choose.
Prices are indicative only and will vary between providers. Paying annually rather than monthly can often reduce your overall cost. Compare quotes to find the right balance of cover and price for your business.
What factors influence the cost?
- ✓ Claims history — a history of previous claims can increase your premium, while a clean record may help reduce it
- ✓ Size of business — the number of sunbeds or tanning beds, treatment rooms and staff you have all affect the price
- ✓ Location — some areas are considered higher risk than others, which can push premiums up
- ✓ Equipment value — the total value of sunbeds, spray tan machines and other equipment you need to insure
- ✓ Public liability level — choose from £1,000,000 to £10,000,000 depending on your needs
- ✓ Product liability level — choose from £1,000,000 to £10,000,000 if you sell or apply tanning products
- ✓ Professional indemnity — adding this cover for advice-related claims will affect the overall premium
- ✓ Type of services — salons offering both UV tanning and spray tanning may pay more than those offering one service
Do Tanning & Sunbed Shop Businesses Need Liability Insurance?
There is no law that says every tanning salon must have public liability insurance. However, for a business that exposes clients to UV light, uses electrical equipment and handles chemicals on a daily basis, operating without it would be a serious financial risk.
A single claim from a client who suffers burns, a skin reaction or an injury on your premises could run into thousands of pounds in legal fees and compensation. Without liability cover, you’d be paying that out of your own pocket.
And if you employ any staff at all, even part-time or on a casual basis, employer’s liability insurance is a legal requirement. Failing to have it in place can result in a fine of up to £2,500 per day.
Common Liability Risks for Tanning Salons
These are the types of claims tanning and sunbed businesses are most exposed to. Liability insurance can help protect you financially if any of them happen.
UV Burns & Overexposure
A client suffers burns from a faulty sunbed timer, incorrect session length or a malfunctioning UV tube. One of the most common claims against tanning salons.
Skin & Allergic Reactions
A client has an adverse reaction to a spray tan solution, tanning accelerator or lotion used during treatment. Product liability cover is essential if you sell or apply products.
Slips, Trips & Falls
Wet floors from spray tan overspray, loose cables or slippery changing areas. If a client or visitor is injured on your premises, you could face a compensation claim.
Equipment Malfunction
Sunbeds overheating, faulty wiring, broken extraction fans or spray tan guns malfunctioning. Electrical equipment carries fire and injury risks that insurers take seriously.
Eye Damage
A client uses a sunbed without proper protective eyewear and suffers eye irritation or damage. You could be held liable if goggles were not provided or offered.
Negligent Advice
A client claims they were poorly advised about session duration, skin type suitability or product use. Professional indemnity cover can help protect against advice-related claims.
Sunbeds (Regulation) Act 2010
Under the Sunbeds (Regulation) Act 2010, it is illegal to allow anyone under the age of 18 to use a sunbed on commercial premises, or even to offer them the use of one. This is a strict liability offence, meaning it applies regardless of whether the salon intended it to happen. The penalty is a fine of up to £20,000. If your salon operates sunbeds, having proper age verification procedures in place is essential, both for legal compliance and to support any insurance claim.
Guide To UK Tanning Salon Insurance
If you work with the public, you know the importance of having the right insurance in place to protect your business in case of claims. Keeping a tanning salon running smoothly is time-consuming. Comparing tanning salon insurance to find the level of coverage and the price that’s right for you requires time. We can help you save time. Complete one simple to receive multiple quotes from a specialist panel of brokers.
A tanning salon insurance policy covering the owner of a tanning salon is vital for financial protection against events and situations out of their control. This makes it possible to operate the small business with the peace of mind that legal hassles and associated items will be taken care of.
What Does tanning salon insurance cover?
To help reduce and even prevent unwanted claims, the client should read and sign a waiver on the inherent dangers of being exposed to UV rays before any procedure starts. Any beauty treatment will have some inherent risks, having treatment cover will provide you with cover should client believe the treatment resulting in personal injury.
You do not legally require spray tan insurance, but spray tan insurance is a product aimed at protecting your finances. In addition, some clients may ask to see if you have insurance should something go wrong during the application process. Overall, having tanning salon insurance will protect your business against claims of negligence or injury by accident whilst on your premises. It will also have the added benefit of fostering trust with your customer base. If you apply for external contracts example on a film set, you will likely find that having a good level of public liability insurance is a requirement.
The following coverage is normally standard in policies issued to beauticians that apply for tanning salon .
Business interruption insurance
This cover will provide you with cover for loss of income during periods when you are unable to carry out business as usual due to an unexpected event, for example your studio is flooding or damaged by fire.
Building and property insurance
This cover includes the brick and mortar establishment from fire, flooding and damage from accidental damage and vandalism.
Public liability insurance for Tanning Salons
Public liability cover is for protection if any accidents occur to a patron, causing them an injury while on your property. This coverage handles the legal and medical fees along with any type of settlement.
Professional liability insurance
Similar to risks faced by eyelash technicians a policy covering UV tanning procedure is very important and will financially protect the owner against any possibility of a lawsuit or claims due to the following:
- Irritation to the skin due to the cleanliness of the tanning bed.
- Burns occurred during the tanning procedure.
- Cancer reports by a client blaming the tanning shop.
- Client unhappy with the results for any reason.
- Improper timer set on the tanning process.
- Incomplete tanning due to the fault of the client
Employer liability Insurance
Employer’s liability insurance is required by UK law for any business that has paid employees working for them. This covers the medical and any possible legal fees if an employee is injured or becomes ill while performing their duties at work. If you are an employee in a tanning salon, you may consider taking out redundancy protection insurance. This type of policy will pay out if you are made redundant, most polices will a percentage of your salary over a fixed time period as per policy.
Many tanning establishments also offer spray tanning procedures as an option for their clients. If your establishment does, then this area of your business should either be included in your tanning salon insurance policy or have a separate one just for it.
By having the correct type of tanning salon insurance, a tanning shop owner can rest assured their business will continue no matter the type or size of claim are filed against them for any reason.
In a single year, the more than 2,000 beauty establishments in the UK serve nearly one million customers. To reduce the risk of closing your profitable business from any third party claims, you should be protecting your small business with the correct type of insurance. Talk with your insurance broker today about getting a policy the provides the right level of protection your business can soon be protected.
Tanning & Sunbed Shop Insurance Near You
Whether you run a sunbed salon on a high street, a spray tan studio in a shopping centre or a mobile tanning business covering your local area, MultiQuoteTime can help you compare quotes from specialist providers across the UK.
Manchester
One of the UK’s biggest markets for tanning salons. Compare sunbed shop insurance from providers covering Greater Manchester and the surrounding area.
London
From high street salons in East London to spray tan studios in the West End, get tanning salon insurance quotes tailored to London-based businesses.
Birmingham
Compare tanning and sunbed shop insurance for salons operating across Birmingham, Solihull and the wider West Midlands region.
Glasgow
Scotland’s largest city and a strong market for tanning businesses. Compare sunbed salon insurance from providers covering Glasgow and Central Scotland.
Edinburgh
Get quotes for tanning salon insurance in Edinburgh and the Lothians. Scottish salons have the same cover options as the rest of the UK.
Leeds
A thriving beauty and tanning scene across West Yorkshire. Compare cover for sunbed salons and mobile spray tan businesses in Leeds and Bradford.
Liverpool
Tanning is big business on Merseyside. Find sunbed shop and spray tan insurance from specialist providers covering Liverpool and the North West.
Bristol
Compare tanning salon insurance for businesses in Bristol and the South West, from independent sunbed shops to multi-service beauty salons.
Cardiff
Welsh tanning salons are subject to additional sunbed regulations, including mandatory supervision. Compare quotes from providers who understand the Welsh requirements.
Belfast
Compare tanning and sunbed shop insurance for salons in Belfast and across Northern Ireland from UK-wide specialist providers.
Don’t see your area? It doesn’t matter. Our panel of specialist salon insurance providers cover tanning businesses right across the UK.
What you need to get quotes at MultiQuoteTime.co.uk
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How Long Does It Take to Get Tanning & Sunbed Shop Insurance?
Getting your tanning salon insured doesn’t take long. In most cases, you can go from comparing quotes to being fully covered in the same day. Here’s what the process typically looks like:
2 Minutes
Complete a short online form with your business details, cover requirements and any previous claims history.
Compare Quotes
Receive quotes from specialist salon insurance providers. Compare cover levels, excess amounts and pricing side by side.
Choose & Pay
Select the policy that fits your business. Most providers offer monthly direct debit or annual upfront payment options.
Covered Immediately
Cover can start from the moment your first payment is processed. Policy documents are typically emailed straight away.
If your salon has a complex setup, previous claims or non-standard requirements, a broker may need to discuss your needs over the phone, which could take a little longer.