Running a tanning salon comes with unique risks. Whether you operate a high-street sunbed shop, a boutique solarium, or a mobile spray tan service, ensuring you have the right insurance in place is essential to the longevity of your business.
At Premierline, our insurance brokers understand that every tanning business is different. We work closely with you to understand the specific challenges you face – from maintaining expensive sunbed equipment to ensuring customer safety during treatments. We’re experienced in creating specialist beautician insurance packages, whatever your specialism or offering. Our team will help you build a comprehensive tanning salon insurance package tailored to your specific setup, whether you need specifically sunbed insurance or spray tan insurance – we’ll help you get covered.
If you know the covers you require, it’s quick & easy to compare sunbed shop insurance quotes from a selection of insurers on our website.
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Tanning salon insurance is a tailored business insurance package designed to protect the specific needs of businesses offering tanning treatments, whether that’s sunbeds or spray tans. Unlike a standard policy, it addresses the unique liabilities associated with UV tanning beds, spray tanning booths, and other tanning treatments.
Because no two salons or solariums are the same, our experts help you build a policy that fits your exact requirements rather than offering a generic off-the-shelf solution. A comprehensive policy brings together several essential covers – such as public liability and contents cover – into one manageable package. This ensures that whether you’re dealing with a claim for an allergic reaction, a customer injury, or damage to your expensive sunbeds, your business has financial support and protection whenever needed.
Specialist insurance is recommended for any business or sole trader providing tanning services to the public. You should consider this cover if you run:
If you offer other services alongside tanning, such as nails or hair styling, we can also help you combine your cover. We provide specialist nail technician insurance, barber and hairdresser insurance, and mobile hairdressing insurance, to ensure every aspect of your hair and beauty business is protected.
Owning a tanning business comes with unique responsibilities. From maintaining high-tech sunbeds to managing customer safety, the daily risks you face are different from those in a standard salon. Having the right protection in place is vital for several reasons:
Your insurance policy should be built around the specific risks of your trade. Because every business is different, our brokers will take the time to assess your individual needs and recommend a package that covers your specific liabilities.
This is the foundation of your protection. Public liability insurance protects you if a customer or member of the public suffers an injury or property damage while visiting your business. For tanning salons, this cover is critical because it shields you from high compensation costs if someone sues you.
Crucially, standard public liability isn’t enough; you need a policy that includes treatment risk cover. This extends your protection to injuries caused specifically by the service you provide, rather than just accidents on the premises. This typically covers:
If you sell products such as tanning accelerators, moisturisers, or goggles to your customers, you should also consider product liability insurance.
Even if you didn’t manufacture the product yourself, you could still be held liable if a customer suffers an allergic reaction or injury from using a product you sold or supplied to them. This type of insurance handles the legal fees and compensation costs if a product you’ve retailed turns out to be faulty or harmful.
Tanning salons are often small, owner-operated businesses. If you, or a key member of staff, suffering an accidental injury, would mean your business could no longer operate, then this is an essential insurance type for you.
Personal accident cover provides a financial safety net, paying out a lump sum or weekly benefit if an insured person is injured and cannot work.
If your salon has any employees – whether they are full-time receptionists, cleaners, or part-time Saturday staff – employers’ liability insurance is a legal requirement in the UK. You can be fined £2,500 for every day you are not properly insured.
This protects your business against:
Your sunbeds and spray tan equipment are the engine of your business and likely your most valuable assets. Contents and stock cover helps you repair or replace them if they’re stolen or damaged as a result of an insured event, ensuring you can keep trading.
Key protection includes:
If you own the freehold of your tanning salon, you are responsible for insuring the physical structure with business buildings insurance. If you rent, your landlord typically insures the building, but you should check your lease carefully. You may still be responsible for insuring the shop front, signage, or any internal improvements and fixtures you have installed.
This covers repair costs for:
If an unexpected event, like a flood or fire, forces your sunbed shop to close, your income stops, but your bills often don’t. Business interruption insurance acts as a financial lifeline, helping your business survive until you can reopen your doors.
This helps cover:
Whether you provide mobile spray tans or run a solarium, it’s likely you rely on digital booking systems, online payments, and store sensitive client details electronically. Cyber and data insurance is increasingly vital to protect against the growing threat of digital crime.
This supports you with:
Running a sunbed shop can lead to unexpected disputes, even if you follow every rule. Legal protection insurance covers the cost of legal representation for a dispute and covers the cost of any compensation you may have to pay. This can assist with:
Not every business setup is the same, and navigating the options can be difficult. Our experts are here to help you understand exactly what you need based on how you operate.
Safety is paramount in the tanning industry. Insurers will often require you to adhere to specific regulations to validate your policy.
Compliance usually involves following the Sunbeds (Regulation) Act 2010, which bans under-18s from using sunbeds. You may also need to demonstrate that you:
Failure to comply with these regulations could invalidate your tanning salon insurance, leaving you exposed to significant costs in the case of a claim.
It can be helpful to understand what can go wrong to better appreciate the value of your cover. Some of the most frequent incidents insurance can help with include:
Tanning salon insurance cost varies depending on several factors unique to your business. Insurers will consider:
Because every salon is different, it is difficult to give an average price. The best way to get an accurate figure is to speak to our experts who can compare quotes tailored to your specific risk profile.
At Premierline, we know that finding the right solarium insurance or spray tan cover can be complex. We are a specialist commercial insurance broker with years of experience working with hair and beauty businesses.
Tailored to you
We don't believe in one size fits all. We help you build a policy that covers exactly what you do.
Trusted partners
We work with some of the UK’s most well-known tanning salon insurance companies to offer you comprehensive protection.
UK based expert advice
Our Lancaster-based insurance advisors are on hand to explain the details, from treatment risks to excess levels, in plain English.
“They gave a brilliant explanation of the services provided. They took the time and spoke clearly when I asked questions. I would definitely be happy to highly recommend Premierline.”
Get in touch today to discuss your business set up and insurance requirements – our team will work to create a comprehensive insurance package for you.
Yes, while not always a legal requirement, public liability is strongly recommended due to the potential risks of sunbeds and spray tan treatments. Without it, you would be personally liable for compensation costs if a customer were injured on your premises or by your equipment, or suffered a reaction to a treatment. Compensation claims can run into the thousands, which could be financially devastating for a small business, so it’s always best to have this in place.
If you visit clients in their homes or work from different locations, we can arrange mobile spray tan insurance. This ensures your liability cover travels with you and protects your portable equipment while on the road.
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