Professional Spray Tanning & Tanning Salon Insurance
Premium insurance protection, without the hefty price tag – for Salons or Freelancers.
Tanning Salon Insurance by industry experts
Glowing with Pride
As a tanning salon owner or a mobile offering spray tanning, you know that people want to look sun-kissed all year round. You own a business where they can get a tan, no matter what time of year. It was born of a wish to see everyone attain their dream glow, and you’ve worked tirelessly to make it a success.
But, during a regular tanning session, one of your clients claims your treatment has damaged their skin. Despite the fact that you’ve done everything right, you find yourself faced with a compensation claim. You’re distraught. How on earth will you ever be able to find the money to pay for all the legal fees?
Here at Salon Gold, we know that situations like this can happen and, when things go wrong, we want to be on your side. With treatment liability cover included, your policy would cover the compensation costs for you, as well as your legal fees. So an accident or someone else’s negligence needn’t cost you your dream.
Which type of Salon Gold policy do I need?
Find out which insurance policy is right for your business by clicking below.
Our Tanning Insurance for Salons includes:
Cover is provided for any loss of income suffered by your business for a period of up to two years following any loss, destruction or damage to property insured under this policy. The standard limit of cover is £750,000, and this can be increased if required. Cover includes any outstanding book debts you are unable to recover up to a maximum of £10,000.
Full InfoThis provides protection for the business contents and equipment you have in the salon against things such as fire, flood or theft. You can select the amount of cover you need but remember to select the maximum amount of cover you would need at any point during the policy period. If you do not select the full amount that you have, insurers may not pay the full amount of any claim you may make.
Cover is provided on a “new for old” basis, even if you purchased some items second hand, you will need to insure for the full new replacement cost.
Please click here for a guide to assist you in assessing your sums insured and if you have any queries or would like to discuss this in more detail, please contact us.
There is an excess of £350 in the event of a claim under this section.
Full InfoIf you employ any staff or trainees, Employer’s Liability insurance is a legal requirement. Cover is automatically provided up to £10,000,000 and provides protection against claims for compensation from employees following injury during the course of their employment.
Full InfoProvides cover for up to £2,500 of items insured under this policy whilst at any exhibition, anywhere within Great Britain. Cover excludes theft unless involving a break in at the exhibition premises.
There is an excess of £350 in the event of a claim under this section.
Full InfoCover is provided for up to £500 per day following accidental failure of public supplies of electricity, gas or water at the salon.
Full InfoCover is provided for up to £250 per day following accidental failure of the supply of telecommunications services at the salon.
Full InfoProvides unlimited cover for breakage of fixed glass at the premises, including the costs of boarding up. Cover is limited to £2,500 in respect of damage to the contents of display windows or damage to window and door frames.
There is an excess of £350 in the event of a claim under this section.
Full InfoProvides cover for up to £5,000 of items insured under this policy whilst in transit in any vehicles owned or leased by you, anywhere within Great Britain.
There is an excess of £350 in the event of a claim under this section.
Full InfoThis is a comprehensive legal expenses package providing £100,000 of cover in any one period of insurance for the following:
- Employment Disputes
- Employment Compensation Awards
- Restrictive Covenant Disputes
- Representation for Tax Investigations and VAT assessments
- Property Disputes
- Legal Defence
- Compliance and Regulation – Prosecution Defence
- Statutory Licence Appeals
- Loss of Earnings
- Employees Extra Protection – Employee defence in civil proceedings
- Crisis Communication Costs (up to £10,000)
- Legal/Tax Advice & Counselling Helplines
You will also have access to a ‘free to use’ legal services website, providing assistance in drafting important legal documents such as employment contracts and health and safety policies.
Full InfoCover is provided for loss of business money whilst on the premises during business hours (up to £5,000), whilst in transit (up to £5,000) or whilst contained in a safe outside business hours (up to £3,000). Cover for money kept out of a safe overnight or whilst at the home of a Director is restricted to £500. Cover is also provided for compensation in the event of bodily injury caused by robbery, theft or attempted theft.
Full InfoCover is automatically provided for the Principal, Partners or Directors only in the event of loss of the hand or fingers or loss of use caused by an accident happening to the insured person in connection with the business. The maximum payable under this section is £10,000 per person.
Full InfoThis provides protection against your legal liability for accidental injury to any person or damage to their property arising out of products sold or supplied by your business. The standard limit under the policy is £3,000,000 in any one period of insurance. This standard limit can be increased to £5,000,000 for an additional premium.
There is an excess of £250 in the event of a claim for damage to third party property.
Full InfoThis provides protection against your legal liability for accidental injury to any person or damage to their property arising out of any treatments undertaken. You will need to hold a UK recognised qualification in any treatments undertaken. Any treatments you undertake must be acceptable treatments to us and included within our standard treatment cover. The limit under the policy is £3,000,000 any one claim.
There is an excess of £250 in the event of a claim for damage to third party property.
Full InfoThis provides protection against your legal liability for accidental injury to any person or damage to their property arising out of the operation of your business. The standard limit under the policy is £3,000,000 any one claim. This standard limit can be increased to £5,000,000 or £10,000,000 for an additional premium.
There is an excess of £250 in the event of a claim for damage to third party property.
Full InfoThis provides protection for the stock you use or hold for retail purposes against things such as fire, theft or flood. You can select the amount of cover you need but remember to select the maximum amount of cover you would need at any point during the policy period. If you do not select the full amount that you have, insurers may not pay the full amount of any claim you may make.
Cover is provided on a “new for old” basis, even if you purchased some items second hand, you will need to insure for the full new replacement cost.
Please click here for a guide to assist you in assessing your sums insured and if you have any queries or would like to discuss this in more detail, please contact us.
There is an excess of £350 in the event of a claim under this section.
Full InfoCover provided under the legal expenses section includes access to 24 hour crisis, legal, tax advice and counselling helplines for you and your staff.
Full InfoOur Optional Covers Include:
If you own the building or are responsible for the insured as part of the terms of your lease, please ensure that the sum insured you enter is adequate to cover your property to be rebuilt from scratch. The figure will need to include the cost of all materials, labour and professional fees to reinstate your property as new. If you are in any doubt as to the rebuild cost of your property, you should seek an independent valuation. Your sum insured must be adequate to reinstate your property as new and if you fail to insure for the correct value, you may not receive a full payment in the event of a claim.
Full InfoPersonal Accident cover will provide you with a lump sum payment in the event that you cannot work on a permanent basis or a weekly benefit if an accident results in a temporary injury. Cover is on a worldwide basis and operates 24 hours a day.
Full InfoCover for Public, Products and Professional Treatment risk can be extended to provide cover for Teaching or Training. We will need the names of all teachers or trainers working for you.
Full InfoCover can be provided for damage to your stock, landlord’s fixtures and fittings, buildings (if insured), glass and all other contents caused by an act of terrorism. Cover can also be provided for any loss of income following damage caused by terrorism. We are unable to provide Terrorism cover for salons in Northern Ireland.
Full InfoOur Tanning Salon Treatments
Automatically Covered
- Solaria & Sun Beds in connection with the provision of ultra-violet or infra-red treatment facilities
"Will qualifications affect my insurance?"
Talking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide
Teacher Or Student Cover
Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an extra optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!
Tanning Salon Insurance FAQs
How much does tanning salon insurance cost?
Due to the high risk nature of tanning salon treatments, premiums for insurance can vary enormously from around £500 to more than £3,000. The premium for your particular tanning salon will depend upon a variety of factors including the covers you require, your sums insured, the number of sunbeds and the experience of the business owner. Previous claims history will also affect the price you pay.
Do tanning salons need insurance?
Insurance protection is essential for tanning salons due to the high value of the contents and the high risk nature of the tanning treatments. Tanning beds can be very expensive to replace and are easily damaged and without insurance, the salon owner would be left to foot the bill.
Also, what would happen if a customer was injured on a tanning bed? Without public liability insurance and in particular treatment risk liability insurance, the salon owner would be responsible for paying any claims for compensation. Specialist insurance would be your safety net in these instances.
