Tanning Salon Insurance: Cost, Quotes & More

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Updated: March 27, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

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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.

 

Tanning Salon Liability Insurance

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.

 

Public Liability Insurance for Tanning Salon

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 for Tanning Salon 

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

 

Tanning Salon Product Liability Insurance

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 for Tanning Salon 

Commercial property insurance’s main functions is to cover the following:

  • Building destruction
    • Your tanning salon got burned after grounded wiring caused a spark and started a small flame which eventually developed into a raging fire.In these situations, commercial property insurance will allow you to recoup losses based on the actual cash value or replacement cost of the destroyed salon

Commercial property insurance has additional inclusions that cover other tangible assets of your business. These additional inclusions are:

  • Stocks and contents coverage – will cover your losses if skincare products, decors, and interior installations become damaged or lost due to fire, theft, vandalism, and extreme weather.
  • Business equipment and tools coverage – will cover your losses if the electric generator, tanning beds, and other related items become damaged or lost due to fire, theft, vandalism, extreme weather, and other covered perils

 

Workers’ Compensation Insurance for Tanning Salons 

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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Tanning Salon Commercial Auto Insurance 

Commercial auto insurance is useful if your tanning salon has a commercial vehicle.  Coverages included in this insurance are:

  • Auto liability coverage – Your commercial vehicle will cause an accident due to the driver’s fault. Auto liability coverage will cover the medical expenses of those injured and reimburse the owners of properties your tanning salon’s vehicle damaged
  • MedPay/personal injury protection – If you got injured in a vehicular accident using your tanning salon’s vehicle, MedPay will cover medical and funeral expenses. 
  • Uninsured/underinsured motorist coverage – If your tanning salon’s vehicle got involved in an accident another driver caused and you got injured,. uninsured/underinsured motorist coverage will pay for your medical expenses.

Tanning Salon Insurance Cost

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 Shop Insurance

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.

 

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Sunbed Shop Insurance Cost

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.

 

Best Tanning Salon Insurance Companies

Below are the best tanning salon insurance companies’ pros, cons, and pricing for a $1 million general liability coverage. 

 CoverWallet 

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 

Our rating: 10/10

Pros

  • Cancel a policy anytime
  • Compare tanning insurance quotes online
  • Buy insurance immediately

Cons

  • Not an insurance company but an insurance broker

 

Compare Tanning Salon Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

Thimble Insurance

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 

Our rating: 9/10

Pros

  • Get an instant ACORD 25 certificate of insurance
  • Stable rates
  • You can decide not to have a deductible

Cons

  • You can’t contact customer service by calling

 

Insurtec Insurance

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

Our rating: 8/10

Pros

  • Specializes in the tanning industry
  • All policies come with UV light coverage
  • Policies also come with an account representative
  • Competitive pricing

Cons

  • Not a carrier itself

 

XINSURANCE 

XINSURANCE’s tanning salon policy features a wide range of possible coverage types, including commercial general liability, premises liability, commercial auto insurance, and even true umbrella coverage. This insurance company also prides itself on prompt claims responsiveness, which is a major benefit of its tanning salon policies.

Average cost: $50 per month

Our rating: 7/10

Pros

  • Responsive
  • Wide range of coverage types available
  • Free policy reviews

Cons

  • Relatively expensive

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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