tanning salon insurance

Tanning Salon Insurance

Whether you own a sunbed shop, a mobile spray tanning business, or a tanning salon that offers sunbeds and spray tans – we can find the right insurance for you.

While the way you achieve a tan differs between sunbeds and sprays, spray tan insurance and sunbed insurance provides the same essential protection for your business.

Insurance is a must-have but it can be time consuming to arrange. So you can focus on running your tanning salon, we’ll find you an insurance policy that covers what you need, so you’re protected and have peace of mind should something go wrong. You won’t have to pay for cover you don’t need, and we'll do the hard work you and find policies for you to choose from, from the UK’s leading and specialist insurers, so you can get on with running your business.

You Could Save Over 20%*

Contact our team to receive a no obligation, instant quote today.

90% of our customers would recommend our service

Standard Covers**

  • Accidental damage

  • Book debts/account receivable

  • Business interruption

  • Contents insurance

  • Employers liability

  • Glass

  • Money in safe

  • Money on premises

  • Public and products liability

Optional Covers**

  • Buildings cover

  • Embedded breakdown

  • Goods in transit

  • Legal expenses

  • Loss of rent receivable

  • Subsidence

  • Tenants improvements

  • Terrorism

Why Insurance is Important for Tanning Salons

There are a few key covers your tanning salon insurance and spray tan insurance should include.

Spray Tan Liability Insurance

There are a couple of different types of liability insurance to consider.

Employers liability is a legal requirement if you have employees. It covers you if your staff are injured while working for you.

Public liability insurance isn’t a legal requirement, but if a member of the public is injured in your salon and seeks compensation, this provides protection.

Business Interruption Cover

This type of cover can be a lifeline for your business. If there’s a major event which means you can’t run your business as normal, for instance a flood may mean that you can’t open the salon, then this cover protects you from income loss and pays for certain expenses until you’re able to run your business as normal again.

Treatment Risk Insurance

One of the biggest risks when dealing with beauty products and skin is an allergic reaction. Sometimes you can do everything right and your customer may still experience some unexpected effects. If that’s the case and the customer decides to seek compensation, treatment risk cover will pay compensation costs.

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** Covers may differ dependent upon insurer.

Frequently asked questions

The type of cover you need depends on the type of hairdresser you are. For example, all hairdressers need to have public liability insurance to cover their legal liabilities in the case of damage or injury to clients. Salon owners will need business interruption cover to ensure they're protected if, for example, fire prevents the business operating. Mobile hairdressers may need goods in transit cover to protect business equipment and stock against damage while in transit between customers. If you're unsure of the type or level of cover you'll need, our team will be able to help guide you. The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So whether you're a salon owner, freelancer, or are a mobile hairdresser, we will search for the cover you require and present you with the choices available. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will present you with the possibilities so you can make an informed decision on what option is most appropriate for you. Yes. No matter how skilled and experienced you are, accidents sometimes happen. A momentary lapse in concentration could result in an accidental snip on your client's ear, or a burn caused by hair straighteners. If you drop chemicals onto your client's expensive carpet, you could be left facing an expensive bill for replacement. Public liability insurance for mobile hairdressers provides cover if a client or member of the public sues you for injury or damage. This key element of your insurance could cover you for the compensation payment and any associated legal fees. Yes. As a mobile hairdresser, your clients are likely to vary greatly, from busy executives that are time-poor and love the convenience of a hairdresser coming to them, to the elderly who are unable to travel, or a bride preparing for her big day. However, they all have one thing in common: they expect a professional job and maybe a little pampering too. We provide Mobile Hairdresser specific insurance to make sure your business is covered.

90% of our customers would recommend our service

smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer
You Could Save Over 20%*