Tanning Salon Insurance
Compare Tanning Salon Liability Cover
Compare tanning salon insurance policies from leading insurers, including;
Why compare tanning salon insurance with MultiQuoteTime?
With MultiQuoteTime, through its partnership with Quotezone, 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 Spray Tan 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.
What factors influence the cost?
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. Working with QuoteSearcher 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 Is Typically Included in A Tanning Shop Insurance Policy
Treatment risks
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.
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
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
Professional liability insurance
This is also what the owner and employees should have to financially protect themselves. This coverage includes accidental events between the employee or owner and clients that can include the following;
- Disagreements over the treatment, either in the results or charges for the services.
- Due to the need of some clients to disrobe, the chances of sexual harassment increase and should be covered in the policy.
- If an accident occurs during contact of an employee and a client and the client is injured or distressed.
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.
What you need to get quotes at MultiQuoteTime.co.uk
To ensure you can quickly receive multiple tanning salon insurance options, please have the following information ready:
- Updated: 01 April 2025
- Reviewed by Eamonn Turley Insurance Expert