Tanning Salon Insurance

Tanning Salon Insurance in Ontario

What You Need to Know About Tanning Salons Insurance

Tanning salons provide people with the opportunity to appear sun-kissed all year long. This is especially popular for anyone planning to vacation at a sunny resort. As clients put their trust in tanning salons every day, it is your job to provide them with a safe and private experience. 

But even when you follow every precaution, your salon still runs the risk of personal injury or accident claims. Not to mention, more and more personal injury lawsuits are piling up against tanning salons from their customers. This is where having a comprehensive insurance policy comes in. 

Standard commercial insurance policies are designed to cover the majority of risks your business will face. However, specialized tanning salon insurance is built to tackle the unique variables and liabilities facing tanning salons specifically. At Insurance Hero, our insurance experts know how to ask the right questions to ensure you get the exact coverage your business needs. By partnering with us, we guarantee we will find you high-quality, comprehensive insurance coverage at the best price.

Insurance Coverage Options

The key to tanning salon insurance is creating a policy that includes the exact type of protection that your business needs. As every business looks different, there are several coverages you will want to consider carefully when building your customizable insurance policy. Whether you are the owner-operator of your mobile tanning salon or managing a team of employees at a large salon, you should know that your livelihood is protected. 

What does tanning salon insurance cover?

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance, is absolutely essential for tanning salons. It is the most important coverage for you to have. It protects your business against claims of misconduct, negligence, failure to deliver a service or inadequate work. Professional liability covers:

  • Errors, mistakes and oversights
  • Failure to meet deadlines
  • Failure to deliver your product/service as advertised
  • Professional negligence
  • Failure to meet a standard of care
  • Breach of contract

Commercial General Liability Insurance

Commercial general liability protects you, your business and your employees from legal liability against third-party bodily injury or property damage claims that occurred at your salon. It covers the costs of medical bills, legal fees, and repairs or replacements. This insurance policy also protects you against any advertising and reputational injuries (e.g., slander, libel, copyright infringement).

Commercial Property Insurance

Commercial property insurance protects your tanning salon and the contents inside (e.g., equipment, inventory, etc.) by covering the financial loss from such perils as:

  • Property damage due to natural disasters, flood, fire, vandalism or theft.
  • Property damage or theft of electronics, equipment, company documents or employees’ personal belongings.
  • Inventory theft by employees.

Commercial property insurance can also include business interruption, which protects your business should you be unable to work due to an illness or injury and have to shut it down temporarily. This helps offset ongoing costs from income losses, such as bills, employee wages, etc.

Product Liability Insurance

Many tanning salons carry and sell merchandise to clients, such as creams, lotions and tanning products. Product liability insurance protects you against claims of bodily injury or property damage due to a product you manufacture, distribute or sell. Product liability primarily covers damages due to product defects.


What’s the difference between tanning salon insurance if I have commercial insurance?

Tanning salon insurance is a particular type of insurance policy intended to protect tanning salon businesses from different hazards and liabilities. While commercial insurance could offer a certain level of protection for your company, it may not provide the precise safeguards that tanning establishments require. Here are some key distinctions that you should be aware of: 

  1. Industry-specific coverage: Tanning salon insurance is designed to manage the specific hazards associated with the tanning sector, including the use of sunbeds, UV radiation exposure, and possible skin-related problems.
  2. Property coverage: It protects your company’s physical assets, such as the building, tanning beds, and any other specialized equipment, whereas commercial insurance may cover certain belongings, but it might not include the unique equipment and assets that you have invested in. 
  3. Product liability: Tanning salon insurance may additionally include product liability coverage, which safeguards your company in the event that a client is harmed or injured as a result of a product offered for sale or utilized in your salon, such as tanning moisturizers or skincare items.
  4. Liability coverage: Liability coverage is included in tanning salon insurance to protect your business from claims or lawsuits caused by injuries, incidents, or harm to property that could happen at your place of business. This coverage is critical for companies that regularly deal with possible hazards and interactions with customers.
  5. While the type of coverage included in your tanning salon insurance in Ontario will vary between insurance companies, it offers business owners the added benefit of knowing they are protected against the unique hazards faced in their industry. 

How difficult is it to get tanning salon insurance?

Purchasing tanning salon insurance is easier than ever. By partnering with a broker, you’ll be able to shop around for tanning salon insurance policies from some of Canada’s top insurance firms. This enables you to choose one that fits your needs and budget. In the meantime, most insurance firms and brokerages offer free online quotes as well, or you can reach out to them over the phone.

What other coverages should you consider adding to your insurance policy?

Cyber Insurance

Cyber and privacy liability insurance protects your business by covering damages and legal claims if your customers’ personal information is leaked or stolen due to a data breach or theft. 

Participant Accident/Liability Coverage

In the event that a student is injured during an appointment and there is no fault or liability found, this policy will provide accident and medical coverage. It includes:

  • Accidental death and dismemberment
  • Accident para-medical expense 
  • Permanent and total disability 
  • Weekly accident indemnity 

Equipment and Tools Insurance

There’s nothing more essential than working tanning beds for a tanning salon. Without them, you basically cannot run your business. Equipment and tools insurance covers reimbursement costs for tools and equipment that need repairs or to be replaced if lost, stolen or damaged due to theft, vandalism, fire or flood. This policy includes tools and equipment owned, leased or rented and provides coverage while in storage or transit.

Commercial Auto Insurance

Should you or your employees use any vehicles for work-related purposes, such as a mobile tanning service, you need commercial auto insurance, as personal auto insurance will not cover vehicles used for work. This includes the following:

  • Third-party liability: If you or an employee are found to be at fault in an accident while driving a commercial vehicle that leads to a third party’s property damage or injury/death, this policy will cover legal fees, repairs and medical expenses.
  • Accident benefits: This policy covers the driver, passengers, or pedestrians if injured in a vehicle accident, regardless of who is found to be at fault. These benefits include:
      • Income replacement, non-earner and caregiver benefits
      • Medical rehabilitation and attendant care benefits
      • Death and funeral benefits
      • Miscellaneous benefits
  • Uninsured automobile coverage: Should the occupants of a commercial vehicle be involved in an accident with an underinsured at-fault motorist or a hit-and-run driver, this policy covers medical expenses, lost wages and more.
  • Direct compensation-property damage: If you are found not at fault while using a commercial vehicle, this policy covers the cost of repairs or replacement of your vehicle, its contents and a rental.

Employment Practices Liability Insurance 

This policy protects your business against allegations and lawsuits from employees who claim their rights have been violated. Employment practices liability insurance protects you from employment-related claims, including, but not limited to, the following: 

  • Wrongful termination
  • Discrimination
  • Gender issues
  • Sexual harassment
  • Violations of leave laws
  • Accessibility 
    • General liability insurance: protects your employees from legal liability against third-party bodily injury or property damage claims.
    • Professional liability insurance: protects your employees against claims of misconduct, negligence, failure to deliver a service or inadequate work.
    • Commercial auto insurance: protects your employees from third-party liability in the event of an accident involving a salon’s commercial vehicle.Performance review/promotion disputes

      Why do I need specialized tanning salon insurance?

      Whereas some businesses can get away with just general liability insurance, tanning salons need specialized insurance that includes professional liability. As tanning salons bring about unique liabilities, such as a client getting burned in a tanning bed, general liability won’t protect the salon. This is because tanning is a service you offer, which falls under professional liability. Therefore, without proper tanning salon insurance, you could find yourself paying thousands of dollars in lawsuit costs. 

      Which insurance protects tanning salon employees?

      There are several insurance coverages that protect your tanning salon employees from things like legal liability or in the event they become sick or injured at work, including the following:

  • Most employers also offer:
    • Worker’s compensation: covers your employees’ medical costs, lost wages, disability benefits or ongoing treatment due to work-related injuries or illnesses. Also, if one of your employees loses their life due to a work-related accident, it assists with funeral costs and death benefits.
    • Disability insurance: protects your employees from an unexpected illness or accident that leaves them unable to work.

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Is tanning salon insurance mandatory?

All businesses are required to have general liability insurance within the province of Ontario. However, insurance claims are common in the tanning industry and only having general liability is insufficient to protect tanning salons from lawsuits. Slips and falls happen no matter how much precaution is taken. Plus, if a customer decides their tan ruined the event they prepared for, such as a wedding, they can legally file a lawsuit against you. So while only general liability is required, having specialized tanning salon insurance can save your business from the risk of financial ruin.

What factors influence tanning salon premiums?

There are many contributing factors that affect the price of your insurance premiums. While choosing which coverages best protect your business, your insurance company will consider the following factors:

  • Your previous insurance claims history
  • Your annual and projected revenue
  • The type of services you offer
  • The number of employees you have
  • The location of your salon
  • The amount of experience you have

Get a Tanning Salons Insurance Quote Today

With the right insurance, you can rest easy no matter what unexpected situation arises. Let Insurance Hero help manage your risk and insurance costs by conducting a full commercial insurance policy review to determine what kind of coverage is best for you!

For reliable, affordable Ontario tanning salon insurance, please request a quote online or give us a call at 1-855-777-4376. Our team of Insurance Heroes is happy to answer any questions you have!