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Tanning Salon Insurance: Cost, Quotes & More

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Beauty, nail, hair and tanning salons all share something in common other than the self-care industry: they all need business insurance so that they don’t end up in a financially troubling situation. However, 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.

For example, you’ll need to know the differences between the many types of tanning insurance policies that are available to you as a tanning salon owner. 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.

Cheap Business Insurance Near Me

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.

Liability insurance can 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, they might have grounds to come after you for their medical expenses.

If you do end up on the hook for that client’s medical costs, tanning salon liability insurance will ensure that you don’t have to pay for the expenses out of pocket. If the expenses were considerable, this can mean the difference between your business going under or operating like usual after the incident.

There are many kinds of liability insurance, and the ideal type depends on exactly who you want to be covered by your policy. Many smaller tanning businesses opt for public liability coverage which will only cover members of the public like customers and not people who work at your business.

Public liability insurance is popular with smaller tanning salons because it does not have many employees, owners and vendors. However, General liability insurance for tanning salons and sunbed shops is much more recommended as it will also cover the expenses of your employees or even vendors and owners of the business if something ends up going wrong, but it’s slightly more expensive because of the higher chance of the policyholder making a claim.

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Tanning Salon Insurance Cost

Tanning salon insurance is available in many different forms and from many different companies and 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.

If an insurance company understands that your tanning business has a history of people getting injured on premises, then they might charge you more for your coverage due to the increased risk. If your history is bad enough, some carriers may not even consider covering you because they think you’re too much of a risk to bring on as a client.

Generally though, the average tanning salon insurance cost is $46 per month or $550 per year.

We’ve gathered the following info based on a medium-sized tanning salon that has a relatively clean history. This can give you a good baseline idea of how much you should be paying for your tanning salon insurance, but keep in mind that costs may vary based on your location.

CompanyCost per monthCost per year
Insurtec$37$444
XINSURANCE$50$600
Geico$52$624


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:

Sunbed Shop Insurance Cost

Insuring a sunbed shop  tends to be a little more affordable than insuring a full-on tanning salon since sunbed shops tend to be a little smaller than tanning parlors. The average sunbed shop insurance cost is about $33 per month or $400 per year, but it will also depend on the kind of sunbed insurance policy you opt for and if you decided to purchase any add-ons.

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 tan 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

Before you start looking for tanning salon insurance quotes, be sure to do some research about the tanning salon insurance companies that you might end up working with. Different carriers will have different prices, but they will also have varying levels of quality service, with some companies responding to claims quicker or offering superior customer support. To get the best value for your money, click the 'Get Quotes' button on this page, complete the form, and you will receive quotes from the best insurers for sunbed shops and tanning salons and have them compete for your business!

Insurtec Insurance

Insurtec is an insurance company that has been in business since 1995, and they’re based in Rich Hill, Montana. While Insurtec isn’t a carrier itself, it is backed by several reliable carriers, and it specializes in the beauty and spa industries, including tanning salons.

Insurtec Policy Details

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. 

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

Average cost: $37 per month

Best for: Larger tanning salons

Our Rating: 4.7/5

XINSURANCE Tanning Salon Insurance

XINSURANCE is an insurer that specializes in less common industries that may not necessarily be covered by some of their larger competitors, and this includes tanning salon coverage. XINSURANCE also works with clients that have been canceled by other carriers, so they’re willing to take on nearly any client.

XINSURANCE Policy Details

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 their tanning salon policies.

Pros:

  • Responsive

  • Wide range of coverage types available

  • Free policy reviews

Cons:

  • Relatively expensive

Average cost: $50 per month

Best for: Businesses that need customized coverage

Our Rating: 4.5/5

Compare Tanning Salon Insurance Quotes

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