Most salons and spas need a combination of general liability, professional liability, and optionally property insurance. At Insurtec, we package these coverages into a single, affordable salon insurance policy designed specifically for businesses like hair salons, tanning salons, estheticians, and spas.

Yes — as long as you have professional liability insurance, which is included in all of our policies. Treatments such as chemical peels, microdermabrasion, light therapy, and waxing are considered professional services and require this specific coverage to protect you in case of injury or client dissatisfaction.

Yes. Tanning salon insurance includes unique risks like burns, overexposure, and equipment issues. Many standard salon policies exclude UV tanning or spray tanning services. That’s why we offer specialized tanning insurance that includes general liability and professional liability coverage tailored to the tanning industry.

If you're an independent contractor renting a booth or room, you’re typically not covered under the salon owner's insurance. You need your own independent insurance policy to cover your liability and services. Our coverage follows you wherever you work.

Yes, that’s exactly what general liability insurance is for. If a client slips on a wet floor or trips in your space and gets injured, our salon liability insurance covers medical expenses, legal fees, and settlement costs.

Absolutely. A client waiver won’t prevent lawsuits — and often won’t hold up in court. You need tanning salon insurance or spa liability insurance to protect your business from financial risk, regardless of waivers or disclaimers.

Yes. Our optional property insurance covers damage or theft of your tanning beds, salon furniture, esthetician tools, or product inventory. This ensures your business can recover quickly if disaster strikes.

Yes — if you operate more than one location, just fill out our Multiple Locations Supplement along with your main salon/spa insurance application. We provide seamless multi-location salon insurance coverage under one policy.

In most cases, we can issue quote and get you a binder fairly quickly when you submit your completed application. Just be sure to fill it out digitally on your computer (not handwritten or scanned) so we can process it efficiently and get you protected fast.