Tanning salon and spray tan insurance

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Tanning salon and spray tan insurance, designed by Ripe

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Why choose Ripe for spray tan and tanning salon insurance?

Cover if something goes wrong with a client

If something goes wrong with a client and they get injured or make a claim, Public Liability cover can help financially take care of it, so you are not left dealing with it on your own.
Cover for your team

If you employ have employees, Employers’ Liability cover can be chosen, so you have protection in place to help if someone on your team is injured.
Cover for specialist equipment

Specialist equipment, such as tanning beds and specialist setups can be included in your policy, along with Public Liability and Employers’ Liability.

Specialist spray tanning and sunbed salon insurance through Ripe

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.

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What does spray tan and tanning salon insurance cover?

Spray tan and tanning salon insurance can cover essential protections like public and treatment liability, with optional extras to support your premises, equipment and business operations.

Public & Products Liability – up to £10m.
Treatment risk cover – protection for third-party injury or property damage following reflexology, up to £3m.

Contents, stock & shop front – cover for contents and stock up to £250k
Employers’ liability – up to £10m for employee illness or injury
Buildings cover – up to £500k for your salon building, outbuildings, walls, gates and fences
Teaching cover – compensation for negligent acts while providing paid teaching services
Money cover – theft of business money up to £2.5k
Business interruption – loss of turnover or increased running costs up to £500k
Legal cover – up to £100k for a range of legal matters

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.

Do tanning and sunbed shops need public liability insurance?

If you employ others in your salon, you must legally hold Employers’ Liability insurance. This can help protect your legal liability if a staff member claims against your business for work-related illness or injury.

Through Ripe, the tanning salon insurance includes Public Liability and Treatment Risk cover as standard, providing financial protection against third-party claims.

You can also include other forms of insurance, such as Equipment or Buildings cover, to help financially protect your business against theft or damage.

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.

Tanning Salon and Spray Tan Insurance FAQs

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.

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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!

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