Arrange specialist insurance by Ripe for your spray tanning work, with an optional sun bed extension cover.
Public & Products Liability up to £10m
Treatment Risk cover for specified insured treatments
Optional equipment and stock cover
UK customer service team
Rated “Excellent” on Trustpilot and Smart Money People, Ripe arranges policy options for mobile and freelance professionals. You can arrange cover around how you work, with a UK customer service team available to answer your questions.
Helps financially protect your business against claims for accidental injury or property damage, such as a customer tripping over equipment.
Cover for claims arising from specified insured treatments, including spray tanning. Sunbed treatments require an extension to cover.
Optional cover for eligible portable equipment and stock, potentially useful for mobile professionals who take kit to appointments.
Running a tanning business means working closely with clients, products and equipment every day.
Reactions to solutions, damage to equipment or issues within your space can quickly disrupt your business.
Spray tanning and sunbed salon insurance by Ripe is designed to help financially protect tanning businesses, helping you feel more comfortable that your work and premises are protected if something goes wrong.
A client reaction, accidental damage at an appointment or stolen equipment could leave you facing unexpected costs. Spray tan insurance by Ripe offers Public & Products Liability options up to £10m, with Treatment Risk cover for specified insured treatments, including a sunbed extension.
Looking for salon insurance? Please visit our salon insurance page.
Public & Products Liability – up to £10m.
Treatment risk cover – protection for third-party injury or property damage following reflexology, up to £3m.
Equipment and stock cover – for eligible items stolen or damaged, subject to security requirements
Employers’ Liability up to £10m – for your legal liability following an employee’s work-related injury or illness
Teaching cover – for eligible claims arising from paid teaching services
Sunbed treatment extension – include eligible sunbed treatments
Employers’ Liability up to £10m – for your legal liability following an employee’s work-related injury or illness
Teaching cover – for eligible claims arising from paid teaching services
Working abroad – claims brought from outside the UK
Injectable treatments – plus other excluded treatments
Theft from unattended or unlocked vehicles – unless in a locked boot or a covered luggage area
Money cover exclusions – employee theft not reported within 7 days; theft from a locked, unattended vehicle
For more information on what is covered with a reflexology insurance policy, please visit the Important Documents page.
From visiting clients, working in a salon or running your own premises, Ripe arranges insurance for tanning professionals. The policy you choose depends on how you operate.
For professionals visiting clients’ homes or working independently. Arrange cover for your insured spray tanning work, with optional equipment and stock cover.
If you also provide sunbed services alongside spray tanning, you can add a sunbed extension to include these treatments in your cover.
Public Liability insurance is not generally a legal requirement, but a client injury or property damage claim could leave you facing legal costs and compensation.
A client could trip over your equipment, or overspray could damage their belongings during an appointment. Public Liability can help financially protect you if they hold you responsible.
Treatment Risk cover applies to claims arising from insured treatments, such as a client claiming a tanning solution caused a skin reaction. If you also provide sunbed services, Ripe offers an extension to include these treatments.
If you employ staff, Employers’ Liability insurance is generally required by law, although exemptions apply. All cover is subject to policy terms.
Get a tanning insurance quote today.
How much does spray tan and tanning salon insurance cost?
Many factors can influence the cost of your spray tan and tanning salon insurance, such as:
whether you’re freelance or employ others
your number of employees (if relevant)
your experience
the location of your business
your chosen level of cover
You can find out how much your cover could cost today by getting a quick online quote.
You are only legally obliged to take out Employer’s Liability insurance if you employ others as part of your business; whether you take out other forms of cover is up to you.
Through Ripe, Public Liability and Treatment Risk cover are included as standard for both spray tan specialists and salon owners, which you may want to consider to help financially protect your business against third-party claims.
Say you or one of your staff members accidentally damages a client’s designer handbag during their tanning session. Having this cover in place could protect your business from the expense of replacement.
You are not legally required to have insurance for your mobile spray tanning business. However, you may want to consider spray tan insurance as a freelancer to help protect your business against theft, damage, or third-party claims.
Public Liability and Treatment Risk cover is included as standard through Ripe, and you can opt to cover your contents, shop front, fixtures and fittings, or tenants' improvements up to a combined value of £250k, to help financially protect your equipment while you’re travelling to your appointments.
Yes, Ripe offers insurance for eligible mobile spray tan professionals. Public Liability and Treatment Risk cover can help financially protect you against claims arising from your insured work.
Sunbed treatments require an extension and are not automatically included because you have spray tanning cover. Contact Ripe before introducing sunbeds so your activities and any equipment cover can be reviewed.
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: February 2026
Content reviewed by: Richard Pearson
