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.

Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

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 exactly what you need, so you’re protected and have peace of mind should something go wrong. You won’t have to pay for cover that you don’t need and we will 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% With Us*

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


Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

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 protects you.

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.


Terms and Conditions

Please click here to view our pricing disclaimer.

** Covers may differ dependent upon insurer.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 


Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.


You can get a quote by telephone. On average a quote will take around 10 minutes over the phone, depending on the complexity of the business requirements.


If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. The Powder Room in Liverpool, Merseyside is one of our high street heroes. Visit their website here: www.powderroom.org.uk

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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Customer Testimonials
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smei is always best. We have more than 10 hair salons and we work with them, never forget the renewal time, never renew the policy without asking, customer service always polite and solving the problems quickly.

Suleyman Demirdag

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