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Underwritten by Aviva Insurance Limited
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Tanning Salon and Spray Tan Insurance

Tanning salon and spray tan insurance

  • UK customer service team
  • Rated ‘Excellent’ on Trustpilot
  • Underwritten by Aviva
  • Award-winning insurance

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What is tanning insurance?

Tanning insurance is designed to cover you and your business against potential client claims. It can also provide financial protection if something happens to your premises or equipment.

So, whether you own a salon or visit your clients directly at home, having tanning insurance can give you complete peace of mind whilst helping them achieve their dream glow.

Why should I consider tanning insurance?

Launching a tanning business is exciting, with many new responsibilities and clients to meet. Plus, it’s certainly a breath of fresh air to have the freedom to manage your own time.

But as with any small business, there is always the potential risk of accidents. Having specialist tanning insurance in place could negate the impact on your business if anything happens. 

For example, you could find your salon under threat if a client makes a claim for property damage on your premises. Tanning salon insurance could cover the legal costs, so you don’t have to worry about the future of your business.

Even if you’re not responsible for an entire salon, working on a freelance basis also carries some of the same risks. 

Say one of your clients suffers an allergic reaction to the spray tan solution you used on their skin, and they decide to make a claim against you. Having specialist spray tan insurance could prevent you from having to cover expensive legal fees.

Why choose Ripe

Insurance you can get creative with

The beauty of our flexible cover means you choose what you need and won't pay for anything you don't.

Beautifully simple

We've made taking out cover online super quick and beautifully simple, with no lengthy forms or confusing jargon.

We wow our customers too!

Not only is our cover rated 'Excellent' on Trustpilot, but 98% of our customers intend to renew their cover with us.

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Our cover
Important documents
Why choose us?
FAQs
Help and advice

What does tanning salon and spray tan insurance with Ripe cover?

What's covered

  • Treatment risk cover

Protects your liability against third-party claims for injury or property damage following beauty treatments up to the value of £3m. 

  • Public and Products Liability

Cover ranges from £1.25m to £10m and can protect you against third-party claims for injury or property damage.

What's not covered

  • Working abroad

Only policyholders working in the UK are covered. Claims brought in from another country are not.

  • Treatments involving the use of injections

These are not covered, alongside a list of specifically excluded treatments.

  • Injury or property damage to models

The teaching cover does not include this, as students must have their own insurance to protect their liability.

  • Closure due to disease

Business interruption due to disease outbreaks classified as pandemics by the World Health Organisation is not covered.

  • Theft from unattended and unlocked vehicles

Theft from unattended vehicles is not covered unless all points of access are locked.

  • Exclusions to buildings, shop front, and contents cover

Includes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the salon has not been occupied for 30 consecutive days.

  • Exclusions to money cover

Includes theft from employees if not reported to the police within seven days and theft from an unattended vehicle.  

What's optional

  • Contents, stock, and shop front cover

You can cover your contents, stock, shop front, fixtures, and fittings up to a combined value of £250k.

  • Employers’ Liability

This cover protects your liability following illness or injury to an employee up to the value of £10m.

  • Buildings cover

Your salon’s building is covered up to £500k including any outbuildings, walls, gates, and fences.

  • Teaching cover

Provides cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.

  • Money cover

You can cover the theft of money from your business up to the value of £2,500.

  • Business interruption

Covers loss of turnover or the additional costs of keeping your business running up to the value of £500k if you cannot trade.

  • Legal cover

You can select up to £100k of cover for costs incurred from defending or pursuing a claim for a range of legal issues.

What's covered

  • Treatment risk cover

Protects your liability against third-party claims for injury or property damage following beauty treatments up to the value of £3m.

  • Public and Products Liability

Cover ranges from £1.25m to £10m and can protect you against third-party claims for injury or property damage.

What's not covered

  • Working abroad

Only policyholders working in the UK are covered. Claims brought in from another country are not.

  • Treatments involving the use of injections

These are not covered, alongside a list of specifically excluded treatments.

  • Injury or property damage to models

The teaching cover does not include this, as students must have their own insurance to protect their liability.

  • Closure due to disease

Business interruption due to disease outbreaks classified as pandemics by the World Health Organisation is not covered.

  • Theft from unattended and unlocked vehicles

Theft from unattended vehicles is not covered unless all points of access are locked.

  • Exclusions to buildings, shop front, and contents cover

Includes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the salon has not been occupied for 30 consecutive days.

  • Exclusions to money cover

Includes theft from employees if not reported to the police within seven days and theft from an unattended vehicle.  

What’s optional

  • Contents, stock, and shop front cover

You can cover your contents, stock, shop front, fixtures, and fittings up to a combined value of £250k.

  • Employers’ Liability

This cover protects your liability following illness or injury to an employee up to the value of £10m.

  • Buildings cover

Your salon’s building is covered up to £500k including any outbuildings, walls, gates, and fences.

  • Teaching cover

Provides cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.

  • Money cover

You can cover the theft of money from your business up to the value of £2,500.

  • Business interruption

Covers loss of turnover or the additional costs of keeping your business running up to the value of £500k if you cannot trade.

  • Legal cover

You can select up to £100k of cover for costs incurred from defending or pursuing a claim for a range of legal issues.

Get a quote

Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Other beauty trades we insure

Hairdressers

Beauticians

Nail Technicians

Why choose us?

You can get the specialist cover you need easily, leaving you to focus on your clients.

  • Insurance with individuality

Just like your services will be unique to each of your clients, you can tailor your insurance to suit the unique needs of your business.

  • We keep our customers happy

Over 320,000 happy Ripe customers already trust us for their insurance cover. Join them and enjoy the confidence it brings.

  • We’ve got good chat

Like you, we know how important it is to build a rapport with your clients, so our UK based customer service team is on-hand to talk.

Find out more

Spray tan & tanning salon insurance FAQs
  • How much does tanning insurance cost?

    • Many factors can influence the cost of your tanning 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

      At Ripe, we believe you should only ever pay for the cover you need, which is why you can create your own policy by getting an instant online quote on our website.

    What insurance do I need for spray tanning?

    • You are only legally obliged to take out Employer’s Liability insurance if you employ others as part of your business, e.g if you’re a salon owner. But 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 deem useful for protecting 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 expensive replacement costs.

    Do I need insurance for mobile spray tanning?

    • You are only legally required to have specialist spray tan insurance if you employ others.

      However, you may want to consider spray tan insurance as a freelancer to protect your business against theft, damage, or third-party claims.

      Public Liability and Treatment Risk cover are included as standard through Ripe, and you can opt to cover your equipment and stock up to a combined value of 250k.

    What insurance do I need for my tanning salon?

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

      At Ripe, the tanning salon insurance includes Public Liability and Treatment Risk cover as standard, so you will automatically be protected from third-party claims on top of this.

      You also have the option to include other forms of insurance, such as Equipment or Buildings cover, to protect your business against theft or damage.

Get a quote
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