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Nail, hair, tanning, and other types of salons all share something in common: they all need business insurance so that they don’t end up in a financially troubling situation.
Picking out the best kind of tanning salon insurance is often a challenge, especially if you don’t have knowledge and experience shopping around for it.
In this article we’ll also explore the average tanning salon insurance cost so you can have a better idea of whether you’re paying a reasonable price for your policy.
Liability insurance is a form of coverage that kicks in when something happens at your place of business. As a tanning salon, there’s no doubt that you’ll have plenty of customers coming through your doors, and there’s a chance that an accident might happen while they’re tanning.
There are many kinds of liability insurance, and the ideal type depends on exactly who you want to be covered by your policy.
It will come into play if someone ends up getting hurt or having their property damaged while they’re at your tanning salon. For example, if someone slips as they’re getting out of their tanning bed, tanning bed insurance will cover the related medical expenses.
Public liability insurance is popular with smaller tanning salons because it offers the basic protection at the cheapest rate.
General liability insurance doesn’t only cover personal injuries and property damage of third parties if something ends up going wrong. It has optional products and completed operations coverage, rented premises liability coverage, advertising injury coverage.
below is a brief discussion of the optional policies
| Coverage | Function |
| Advertising Injury Coverage | It will cover legal expenses when a third party sues your tanning salon for slander, libel, and other types of reputational or advertising harm |
| Products and Completed Operations Coverage | A client might develop skin problems after a session, and your tanning salon might be held liable for this. It will provide help by covering attorney fees, compensatory payments, administrative costs, and other legal expenses |
| Rented Premises Liability Coverage | general liability insurance and it will take care of expenses if your landlord demands reimbursements because fire damaged the commercial space you’re renting |
Product liability insurance will cover attorney fees, administrative costs, court payment orders, and other legal expenses if a customer sues you for selling a defective or expired product.
Commercial property insurance’s main functions is to cover the following:
Commercial property insurance has additional inclusions that cover other tangible assets of your business. These additional inclusions are:
It’s only proper to help your employees if they experience a work-related injury or illness. And to avoid financial losses when doing this, get workers’ compensation insurance. Workers’ compensation insurance does the following:
| Coverage | Function |
| Employee Treatment/Medical Procedure | It covers the expenses
If an employee needs medical treatment/procedure to recover from a work-related injury or disease, |
| Medication | It provides the money he or she can use to make the purchase of the medicine required. |
| Rehabilitation | It will pay for therapist fees, rehabilitation equipment, and other associated costs |
| Lost Income Compensation | Workers’ compensation insurance will help you compensate for the lost earnings of an injured or sick employee. Lost income compensation will be equal to two-thirds of the average weekly wage |
| Death Benefits | It provides death benefits if your employee dies from his or her injury or sickness. Death benefits include funeral payments and allowance to dependents |
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Commercial auto insurance is useful if your tanning salon has a commercial vehicle. Coverages included in this insurance are:
Tanning salon insurance is available in many different forms and from many different companies. This will naturally affect the premium that you can expect to pay for your policy. Other factors that might influence the cost of your insurance include the size of your tanning salon and its history.
Generally though, the average tanning salon insurance cost is $46 per month or $552 per year for a $1 million general liability coverage.
| Company | Cost Per Month | Cost Per Year | |
| CoverWallet | $24 | $288 | |
| Thimble | $27 | $324 | |
| Insurtec | $37 | $444 | |
| XINSURANCE | $50 | $600 |
Sunbed shops are smaller than tanning salons, typically featuring fewer beds and sometimes offering spray tans alongside traditional UV tanning. This means that many sunbed shops also have airbrush tanning insurance, which can add to their expenses. Here’s what you need to know about the cost of sunbed shop insurance.
The average sunbed shop insurance cost is about $33 per month or $396 per year for a $1 million general liability coverage. However, it will also depend on the kind of sunbed insurance policy you opt for, or if you decide on tanning shop insurance.
As with tanning salon insurance, sunbed salon insurance varies based on the history of your business. Also, if your sunbed shop offers additional services like spray tanning, then you may need spray tanning insurance. Insurance for spray tanning business tends to be a little more expensive because of the risk of something going wrong while the tanner is being applied.
Below are the best tanning salon insurance companies’ pros, cons, and pricing for a $1 million general liability coverage.
Visit CoverWallet’s website and use its insurance quotes comparison platform. With the help of this insurance broker, you can easily find companies that offer coverage for tanning salons.Upon getting insured, you’ll get access to the MyCoverWallet app where you can pay premiums online.
Average cost: $24 per month
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Thimble’s salon insurance is available as a short-term on-demand policy. Inclusions are commercial property insurance, business interruption insurance, and general liability insurance.
Average cost: $27 per month
Insurtec’s insurance policies cover risks that are exclusive to the tanning industry, including coverage for UV, red, and blue lights. All of their policies also include professional liability coverage and they come with an account representative. In addition it specializes in the beauty and spa businesses, including tanning salons.
Average cost: $37 per month
Average cost: $50 per month
Our rating: 7/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
