Tanning Salon Insurance
Protect your tanning salon with insurance that understands your services, risks, and equipment needs.
Tanning Salon Insurance Built for the Way You Operate
Insuring tanning salons isn’t new to us—it’s our specialty. Insurtec has provided customized tanning salon insurance since 1995. Over the years, we’ve evolved with the industry as salons added spray tanning, red light therapy, and other image-focused services. We've covered it all.
The truth? Most major insurance carriers won’t touch tanning salon coverage—especially if UV beds are involved. That’s where we come in. We offer specialized insurance policies designed specifically for tanning salons, with the coverage standard policies leave out.
Why Tanning Salons Need Specialized Insurance Coverage
If you ask a general insurance agent for tanning salon insurance, you’ll likely hear “no.” And if they say yes, there’s usually a catch—like exclusions for tanning beds or overly restrictive policies.
Here’s why that’s a problem:
Let’s say a client gets burned during a session. A standard business policy may cover slip and fall or libel claims—but not professional tanning services. That kind of claim would likely be denied.
At Insurtec, our policies are built for tanning professionals. We make sure you’re covered for real-world risks, not just the basics.
Tanning Salon Insurance Liability Coverage
General liability insurance protects your business from:
Slip-and-fall accidents
Property damage
Libel and advertising claims
General business risks
We also include protection against claims of dissatisfaction or service-related issues. In these situations, tanning salon insurance can cover:
Attorney fees
Settlements and judgments
Court costs
Professional Liability Insurance for Tanning Salons
Professional liability insurance is what most policies are missing—and what your tanning salon truly needs. This coverage protects you from claims directly related to the services you provide, such as:
UV tanning bed burns
Spray tan mishaps
Client injury or dissatisfaction from tanning treatments
Without professional liability, your claim could be denied because it falls outside “general” business activities. Our policies ensure you’re protected from the professional risks that come with running a tanning salon.
Insurance for 24/7 Tanning Salons
Operating a 24-hour tanning salon? We’ve got you covered. Most insurers won’t write coverage for 24/7 operations due to perceived risk. But Insurtec understands your business model. Whether you use automated access or staff around the clock, we offer:
General and professional liability coverage
Equipment and property protection
Flexible policy options for 24/7 salons
Property Insurance for Tanning Equipment
Our tanning property insurance can protect:
Tanning beds and equipment
Interior build-outs and furniture
Assets damaged by theft, fire, vandalism, and more
Property coverage is optional—but highly recommended for peace of mind.
We’ve Got Your Back
You don’t have to make a mistake to be sued. Accidents happen. Clients misunderstand. That’s why we’re here. With over 30 years of experience in salon and tanning insurance, we know how to defend your business and keep you protected—every step of the way.
Don’t risk gaps in coverage. Start your salon insurance quote today.