Tanning Salon Insurance

(Here's how to protect your livelihood)

Written by Jessica Huneck
Written by Jessica Huneck

Jessica Huneck is an insurance writer from TrustedChoice.com. She began her writing career in 2011 and has since earned herself a bachelor's degree in English writing.

Blonde woman sitting in a chair talking with her hairstylist while having her hair done during a salon appointment. Find salon insurance.

As a tanning salon owner, it’s also your responsibility to protect your business and personal financial assets with tanning salon insurance. This coverage will protect you from a variety of risks, including liability charges brought by customers. 

A lot of times these are major lawsuits, including two lawsuits filed in Mount Pleasant, PA against Sunkissed Tanning Spa. Two women sued for $50,000 in damages for invasion of privacy and negligence by ownership. 

The Melanoma Research Foundation has also turned up the heat on the tanning industry, saying that the UV exposure from tanning beds increases the risk of melanoma by 75 percent in people under the age of 30. Personal injury lawsuits are increasing from consumers who believe they have been harmed by beds.

Even if you follow best practices, have exceptional privacy and a strong reputation for safety and service, your tanning salon could be a target for lawsuits. Standard commercial insurance will cover a majority of your risks, but specialized policies are designed to deal with your tanning salon.

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Facts About Tanning Salons

  • There are over 22,000 tanning salons in the U.S.
  • Tanning salons see about 28 million customers annually
  • Although the amount of radiation produced during indoor tanning is similar to the sun, it may be stronger in some cases
  • The revenue from indoor tanning salons was estimated to be $2.6 billion in 2010

What Does Tanning Salon Insurance Cover?

It’s important to understand how policy details affect your business. When you apply for insurance, you’ll be getting a variety of policies which will cover different aspects of your business. Here are some policies that could help cover the risks you face:

  • Property insurance: Even if you don’t own your commercial building, tanning beds are expensive pieces of business property. This coverage will cover property in case of fire, smoke damage, vandalism, and other instances.
  • General liability insurance: This is essential to protecting your business and personal life. If a customer experiences bodily injury or property damage, this coverage will either pay compensation through the claims process or help cover legal costs if the issue goes to court.
  • Business owner’s policy: This is a type of blanket insurance that combines multiple types of insurance into one policy. If you need property insurance and general liability, it can be bundled together in a BOP. Additional forms of coverage can also be added.
  • Commercial vehicle coverage: While it’s likely you aren’t hauling around tanning beds, if you drive a promotional vehicle to community events, your personal vehicle insurance might not cover damage sustained in an accident.
  • Workers compensation: Depending on where you live, this insurance may be required even if you have a few employees. If one of them is injured on the job, this coverage will pay for medical expenses and possible lost income. You get the peace of mind that your employee won’t sue you.

Insurance for Tanning Salons: Professional Liability

Also known as errors and omissions insurance, professional liability insurance will protect you if a client claims your business negligence led to losses. 

If tanners claim you’re responsible for their burns, or a new employee accidentally schedules a new tanner for too much time on the bed, you could potentially face a lawsuit. Even if you’re found innocent of negligence, legal defense is costly.

Without the right coverage, those costs must come out of business profits. If those are exhausted, your business might shut down and you could be forced to tap into personal financial assets. 

Having the right professional liability insurance for tanning salons can help you pay for your legal defense and a settlement or judgment, if it comes to that.


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How Much Does Tanning Salon Insurance Cost?

It’s hard to come with an average cost for insurance for tanning salons, because your premium really depends on several things. These include:

  • Location of business
  • Building type
  • Safety measures
  • Services
  • Claims history
  • Coverage type and amounts

Be prepared to spend around 2 percent of your profit on business insurance. While it might seem like a lot initially, this is the standard amount of coverage most companies use to protect assets and ensure that their business can remain viable in the face of unexpected claims. 

With the right coverage, you can have peace of mind no matter what situation comes your way.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for your needs. Any information you give us will only be sent to the agents you pick.

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