Tanning businesses do not always operate from high street salons. Whether you work from home, offer mobile services, or rent a treatment room, your tanning salon insurance needs could shift based on your setup. Understanding what may need to be covered is key to protecting your equipment, clients, and livelihood.
Why Setup Affects Insurance for Tanning Professionals
Insurance is not one-size-fits-all. A mobile tanning technician transporting equipment in a vehicle could face different risks than a technician offering treatments from a converted garage. Insurers often assess factors such as treatment locations, equipment handling, and client interaction before tailoring suitable cover.
We help arrange beauty and tanning insurance that considers the full picture, from sunbed repairs to client claims. Below, we explore how working environments may affect your potential exposures and the types of cover commonly overlooked.
Mobile Tanning Risks: More Than Just Travel
Mobile professionals visit multiple clients per day, often transporting high-value tools like spray tanning machines. Without the right level of cover, damage or theft of portable equipment could be costly.
Public liability insurance is particularly important here. If a client trips over your equipment or reacts to a product, cover may help with legal costs and potential compensation. Some policies also offer treatment risk extensions, which could prove useful if a client makes a claim following a spray tan gone wrong.
Additionally, tools in transit cover could protect you if your equipment is stolen from your car or van.
Working From Home: Still Exposed to Risk
Even if you offer tanning services from your own home, you are not exempt from business-related claims. For example, if a client is injured during a treatment or suffers a skin reaction, you could be held liable.
Home-based salon insurance may provide public liability, treatment risk, and even cover for fixtures or fittings used solely for work purposes. It is also worth considering product liability, particularly if you retail tanning creams or aftercare kits.
Remember, most home insurance policies do not cover business activities. Specialist cover may be required.
Renting a Room or Space? Know the Boundaries
Some mobile technicians also rent space within salons or clinics. In this case, you may be responsible for your own treatments and clients but not the premises themselves.
You could need your own professional indemnity and liability insurance, even if the salon has its own policy. This could help cover allegations of negligence linked to your treatments, advice, or services.
What Else Could Be Included?
- Employers’ liability insurance (if you hire staff or apprentices)
- Business interruption cover (if you cannot trade due to a fire or equipment breakdown)
- Stock and contents insurance (particularly useful for tanning product sellers)
The right cover depends on how, where, and with whom you work. We support beauty professionals by helping them find cover options that suit their way of working.
Not All Policies Are Created Equal
Every tanning setup is different. Whether you spray tan at client homes, offer UV sunbeds in a garden cabin, or run a boutique studio with staff, your risks could vary. Without tailored protection, a single claim could disrupt your income and business reputation.
We can help you compare tanning salon insurance options suited to mobile, home-based, or hybrid beauty businesses.