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From Skin Reactions to Equipment Fire: What Tanning Salon Insurance Actually Covers
Running a tanning salon can be a rewarding venture, but it is not without its risks. Whether operating high-street premises or mobile sunbed hire,…
Tanning & Sunbed ShopInsurance
Tanning & Sunbed Shop Insurance
Public liability and treatment cover built for tanning salons, meeting the supervision requirements set out in the Sunbeds Regulation Act 2010.
Public liability and treatment cover built for tanning salons, meeting the supervision requirements set out in the Sunbeds Regulation Act 2010.
Burns & skin damageSunbed contentsCustomer injury
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is tanning and sunbed shop insurance?
Tanning and sunbed shop insurance is a combination of covers built around operating sunbeds, public liability for injury or damage, treatment liability for claims arising from sunbed use, and employers’ liability if you have staff.
The Sunbeds Regulation Act 2010 bans under-18s from using commercial sunbeds and requires staffed supervision, unstaffed, coin-operated sunbed use isn’t legal.
Tanning and sunbed shop insurance can include:
Public liabilityEmployers’ liabilityTreatment liabilityBusiness contentsBusiness interruptionBusiness van insurance (separate policy)
Cover often bought alongside tanning & sunbed shop insurance
Public Liability
Covers claims if a customer or visitor is injured or their property is damaged.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Treatment Liability
Covers claims that sunbed use caused a customer physical harm.
Business Contents
Protects your sunbeds, fixtures and fittings.
Product Liability
Covers claims arising from tanning products you sell or use.
What does the Sunbeds Regulation Act require?
What does the Sunbeds Regulation Act require?
This is a legal requirement, separate from your insurance, that affects how you can trade.
This is a legal requirement, separate from your insurance, that affects how you can trade.
| Requirement | What it means | Why it matters |
|---|---|---|
No under-18 use | It’s a criminal offence to let anyone under 18 use a sunbed | Staff must check ID if a customer looks under 18 |
Staffed supervision | Unstaffed, coin-operated sunbed use isn’t legal | A member of staff must be present during operating hours |
Health warning information | Customers must be told about the risks of UV exposure | Often displayed as posters or leaflets in-salon |
Protective eyewear | You must offer suitable eye protection to customers | Eyewear should be cleaned between customers |
Top Tip
Non-compliance with the Sunbeds Regulation Act can lead to fines of up to £20,000, make sure staff understand the ID and supervision requirements, since this is enforced separately from your insurance policy.
How much does tanning & sunbed shop insurance cost?
There’s no fixed price. It depends on the number of sunbeds you operate, staff numbers and your claims history.
Number of sunbeds
More sunbeds increase your contents and treatment cover needs.
Whether you own or rent
Owning your premises adds buildings insurance to consider.
Number of staff
More employees increase your employers’ liability exposure.
Retail products sold
Selling tanning products can affect your product liability needs.
Level of cover
Adding product liability or a higher limit increases your premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get tanning & sunbed shop insurance
How to get tanning & sunbed shop insurance
Getting tanning shop insurance takes four steps: tell us about your salon, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting tanning shop insurance takes four steps: tell us about your salon, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your salon
How many sunbeds you operate, and whether you have staff.
2
Choose your covers
Public liability, treatment liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Tanning & sunbed shop insurance guides
Tanning & sunbed shop insurance guides
Practical advice on cover, compliance and staying protected.
Practical advice on cover, compliance and staying protected.
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Mobile Tanning? Home-Based Salon? How Insurance Needs Change Outside the Studio
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Sunbeds, Staff & Stock: 5 Things Your Tanning Salon Insurance Should Always Cover
Tanning salons face a unique set of risks that go far beyond aesthetics. From technical faults in sunbeds to allergic reactions and stolen stock,…
Tanning & sunbed shop insurance FAQs
Tanning & sunbed shop insurance FAQs
Straight answers on cover, compliance and cost.
Straight answers on cover, compliance and cost.
Tanning and sunbed shop insurance is a combination of covers built around operating sunbeds: public liability for injury or damage, treatment liability for claims arising from sunbed use, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related businesses we cover
Related businesses we cover
Tanning salons share treatment and premises risks with these businesses. Each has its own cover needs.
Tanning salons share treatment and premises risks with these businesses. Each has its own cover needs.
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Beauty Salon Insurance
Treatment liability across a wider range of services.
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Beauty Therapist Insurance
Individual therapists working mobile or renting space.
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Nail Technician Insurance
Salon-based treatments with product and hygiene risks.