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Tanning & Sunbed Shop Insurance
Insurance for sunbed shops & tanning salons
Arrange sunbed & tanning shop insurance cover
Protect against claims made by clients and the public
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic provides business insurance for small business, like tanning salons
Get cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
tanning salon insurance?
Own a local tanning or sunbed shop? When you’re busy dealing with clients coming and going, it’s easy to forget about business admin, like insurance.
But using tanning products and machinery comes with risks, and like any business, you can’t eliminate them completely. If things were to go wrong, you could end up paying thousands of pounds out of your own pocket in damages and compensation.
Tanning salon insurance provides financial protection if a client were to claim against you or if you need to make a claim yourself. It provides peace of mind so you can focus on what’s most important - tanning your clients!
What types of tanning shops need cover?
We can help cover the following types of tanning services:
- Spray tan salons
- Spray tan booths
- Contour tanning salons
- UV tanning salons
- Sunbed shops
- Tanning rooms
Can’t see your tanning business listed? It’s likely we can still help you. Start a quote online and a member of our insurance team will be on hand to help you through the process.
What does tanning salon insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Product liability insurance
Financial protection against claims for products you sell due to reactions or if they don’t do what they’re supposed to.
Stock and contents insurance
In case your stock or equipment is stolen or damaged by flood or fire
Professional indemnity insurance
Protects you if you need to pay a client compensation as a result of advice or professional services you have provided.
Business equipment insurance
Protects your essential tools and equipment from theft or damages due to an insured event
Personal accident insurance
Helps to provide financial compensation in the event of a personal injury at work (not longstanding).
Find out why your business needs insurance from Les, our Business Comparison Expert.
Why do tanning salons need insurance?
When clients are coming to you to top up their tans, you’re likely to run into some risks, and the following could happen:
- Faulty equipment causes a client to get sunburnt
- A client or member of the public slips and falls in your salon
- Someone steals your valuable tanning equipment
- A fire or flood causes you to temporarily stop trading
It’s essential to think about sufficient insurance to protect your business, your employees and keep your customers happy!
What doesn’t it cover?
The insurer you choose will have its own list of limits and exclusions per policy, but generally, you might not find the following in your policy:
- Work you carry out abroad - We cannot provide cover for mobile tanning services outside of the UK.
- Unqualified work - Most insurance policies will specify that you and any employees must be trained to carry out treatments on clients otherwise, your policy is unlikely to be valid.
- General wear and tear - Insurance policies don’t include cover for general wear and tear to the building and/or equipment.
If you offer “invasive “ treatments such as injectables as part of your services, this poses an additional risk and you will need specialist insurance. As a result, you’re likely to see fewer quote options from insurers, but our insurance team should be able to help find you a specialist insurer that fits your needs.
Salon insurance can protect your employees, property and your bank account as you provide treatments, haircuts and colours, without unexpected financial setbacks.
James Barwell, Insurance Director
Do you need insurance to offer spray tans?
If you offer spray tans as part of your services, then it’s a good idea to have public liability insurance in case a customer or a member of the public suffers an injury as a result of these services.
You never know when a spray tan machine or gun might malfunction and injure someone, similarly, an employee could accidentally injure someone during a spray tan application, so it’s worth considering protecting yourself financially in case they make a claim.
How much is tanning salon and sunbed insurance?
No two insurers are the same, so it’s difficult to give a solid figure for what you might be paying for an annual insurance policy.
The following will affect the price of your premiums:
- Extent of cover - The more cover you opt for, the more expensive your package is likely to be.
- Your insurer - The insurer you choose will also influence costs.
- Business activities - The type of services your tanning or sunbed shop offers will play a big part in determining the scope of your cover, influencing costs.
- Location – Where you work is taken into consideration when calculating the price of your premiums.
- Claims history - Whether or not you’ve had claims made against you or you have made previous claims may affect your future premiums.
What if you have apprentices training?
As a sunbed shop owner, you might have trainees or apprentices working for you, so you must tell your insurer/broker so the right cover can be arranged, as they’ll need to be included on your policies.
Keep in mind your policy will likely only be valid if you and your trainees stick to the following:
- They only offer treatments or therapies they can do and have been professionally trained for
- They must be under regular supervision by someone who is qualified
- You must tell clients that the trainee or apprentice carrying out their treatments are not fully qualified.
Some insurers may also have other limits and exclusions when it comes to trainees. Always check your policy wording for exact details.
Get tanning salon insurance covered with Bionic
At Bionic, we champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover.
Our UK-based team helps business owners daily to compare business insurance options to find the right insurer that fits. Get in touch with us today by starting a quote online.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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