We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable tanning salon insurance coverage tailored for you by BrokerLink.
Glow responsibly–protect your tanning salon with tailored insurance.
Running a tanning salon in Canada means helping clients look and feel their best—but it also comes with unique risks. From accidental burns and allergic reactions to equipment breakdowns and property damage, even one incident could lead to costly claims or downtime. Tanning salon insurance helps protect your business, staff, clients, and equipment from unexpected losses. Whether you run a boutique spray tan studio or a full-service UV tanning spa, this guide covers everything you need to know about coverage options, costs, and how to save.
Get a quote
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Tanning salon insurance is a specialized form of business insurance designed to protect salons that offer UV tanning, spray tans, or airbrush tanning, red light therapy, and infrared saunas. Because these services involve direct client contact and high-powered equipment, a standard policy often isn’t enough. A comprehensive tanning salon insurance package typically includes several key coverages:
Standard commercial policies don’t address the unique risks of the tanning industry. With the right protection, your salon is covered against client injuries, accidental burns, fire or water damage, and costly equipment malfunctions—helping you focus on keeping your clients glowing safely.
At BrokerLink, we work with tanning salon businesses of all shapes and sizes, helping owners protect their shops, and staff. We make business insurance simple, so you can focus on your clients while we handle the coverage.
Our tanning salon insurance is designed to protect a wide range of professionals and businesses in the industry, including:
View More
Tanning services involve direct client contact, specialized equipment, and chemical products, all of which can increase your risk exposure. Without the right insurance, even a minor incident could lead to costly financial consequences.
Tanning salon insurance is important because client safety risks are part of the business. Burns, skin irritation, or allergic reactions can happen during or after a session. Equipment hazards are also a concern, as tanning beds and infrared lamps may malfunction or cause injury. There is also the risk of property damage if overheating machines lead to fire or electrical issues that affect your space or neighbouring units. In many cases, landlords, lenders, and shopping centres may also require proof of liability coverage. Legal protection matters too, since defending against a lawsuit, even an unfounded one, can be expensive.
For example, if a client claims they were burned during a UV tanning session, professional liability coverage may help cover legal expenses and compensation. Even home-based or mobile tanning professionals can face similar risks, which is why the right coverage can help protect both your business and reputation.
The right combination of coverages ensures your tanning business is protected from every angle—whether it’s a client injury, equipment issue, or unexpected interruption.
Commercial general liability insurance (CGL)
Professional liability (errors & omissions)
Commercial property insurance
Equipment breakdown insurance
Product liability insurance
Cyber liability
Business interruption insurance
Crime insurance
Commercial auto insurance
Tenant legal liability
Protects against third-party bodily injury or property damage—such as a customer slipping on a wet floor.
Covers claims related to your services or advice, such as burns or uneven results.
Safeguards your salon’s physical assets, including tanning beds, waiting room furniture, and signage.
Helps cover repair or replacement costs for essential machines damaged by mechanical or electrical failure.
Protects against claims of allergic reactions or burns caused by lotions, sprays, or other products you use or sell.
For salons that store client data or use online booking systems.
Covers lost income during repairs or a forced closure.
Protects against employee theft or loss of cash.
Ideal for mobile tanning services or equipment transport.
Covers accident damage to leased property.
Let us be your resource for all things business insurance
BrokerLink helps tanning salon owners find coverage that reflects their services, setup, and risks, with flexible options and access to trusted insurers across Canada.
26132+ Reviews
Average rating of 4.6
Prompt, helpful with advice and finding the right insurance for my small business.
"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
The people I have dealt with are always very helpful and quick with answers to my questions and/or changes to my policy.
Fast, efficient, knowledgeable service. Helpful staff.
Everything went perfectly including prompt follow up.
If you need a broker, this is the best place to deal with! Amazing staff!!
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
Excellent service, quick, efficient, and professional. Highly recommended.
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
Friendly, hassle free service. I'm impressed. Would highly recommend.
Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Lovely service, great communication and very helpful!!
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
No two tanning salons are the same, which is why the cost of your insurance policy can vary significantly. Insurers consider a range of factors when calculating your premium, including your services, equipment, location, and business size. Understanding these variables can help you anticipate costs and identify ways to save.
The specific tanning services you provide play a major role in determining your premium.
Your salon’s size and where it’s located also influence your rate. A large, multi-bed tanning spa in a busy shopping area will usually have higher premiums than a small boutique studio or home-based setup. Urban areas tend to have higher property values and increased foot traffic, both of which can elevate insurance costs.
Higher revenue and a larger client base mean more exposure to potential claims, which can increase your premium. Insurers use your annual sales or number of clients as a measure of business activity and overall risk.
If you’ve had previous insurance claims—especially related to client injuries, property damage, or equipment malfunction—your premiums may rise. A clean claims record can help you qualify for lower rates and better coverage terms.
The more tanning beds, lamps, or high-power machines you operate, the greater your potential liability and equipment replacement costs. Modern, well-maintained machines may reduce risk and demonstrate to insurers that you take safety seriously.
Your commercial property insurance coverage is based on the replacement cost of your salon’s contents, such as tanning beds, furniture, signage, and computers. The higher the total value, the higher your premium. Investing in safety measures like fire suppression systems and surge protectors can help lower costs.
If you employ staff or work with independent technicians, you may need additional liability or workers’ compensation coverage. More staff typically means higher risk exposure and, therefore, higher premiums.
If your salon sells tanning lotions, skincare, or aftercare products, product liability insurance becomes essential. While this increases your coverage needs, it also protects you from costly claims related to allergic reactions or product defects.
Working with a BrokerLink advisor ensures you get the best value—balancing comprehensive protection with competitive pricing tailored to your salon.
Running a tanning salon comes with its share of expenses, but your insurance doesn’t have to be one of them. With the right approach, you can protect your business while keeping costs manageable. Here are some proven strategies to help you save on your tanning salon insurance premiums:
One of the easiest ways to lower your insurance costs is by bundling multiple policies with the same provider. Combining your commercial general liability, commercial property, and equipment breakdown coverage into one package can often qualify you for a multi-policy discount. Bundling also simplifies management—you’ll have fewer renewals and a single point of contact for claims or updates.
Insurance companies look favourably on salons that take equipment safety seriously. Have all tanning beds, lamps, and electrical systems professionally installed and inspected according to manufacturer guidelines. Routine maintenance not only prevents breakdowns but also shows insurers that you’re minimizing risk, which can help reduce your premium.
Comprehensive safety training and consistent sanitation standards protect both your clients and your business. Document your cleaning routines, provide staff training on proper equipment use, and ensure all safety protocols align with local regulations. A strong safety record signals lower liability risk to your insurer.
Having every client sign a waiver before treatment helps set clear expectations and can protect your business in the event of a claim. Waivers demonstrate that clients understand potential risks, which may strengthen your position in liability cases and reassure insurers that you’re taking preventive measures.
Security cameras, alarm systems, and fire suppression equipment can all contribute to lower insurance costs. These measures protect your property from theft, vandalism, and fire damage—three common causes of insurance claims. Installing monitored systems and keeping inspection records can further demonstrate your commitment to safety.
Whether you’re hiring staff or contracting technicians, ensure everyone is properly trained and certified. Well-qualified professionals are less likely to make costly mistakes, helping you maintain a clean claims record over time.
Pro tip: Some insurers offer additional discounts if your tanning beds are regularly inspected and your facility passes health or safety inspections. Keep inspection reports and certificates on file–they can serve as valuable proof of your salon's commitment to safe operations.
While tanning salon insurance offers broad protection, certain situations typically aren’t covered. Common exclusions include:
Claims arising from deliberate actions or misconduct.
Any activity that violates local health or business regulations.
The use of unapproved tanning chemicals, lotions, or machines not compliant with safety standards.
Always review your policy wording carefully to understand exactly what’s covered—and what isn’t. Your BrokerLink advisor can help clarify exclusions and suggest endorsements if you need additional protection.
If you rent a room or operate within a wellness centre, gym, or spa, it’s important to ensure your policy clearly separates liability between your business and others in the same space. This helps prevent disputes or shared responsibility if an incident occurs. Your broker can help confirm your coverage limits and recommend adjustments to avoid gaps.
Running a mobile tanning service or operating seasonally? Ask your BrokerLink broker about short-term or mobile tanning technician policies. These flexible options provide coverage only when you’re actively working—helping you stay protected while saving on annual premium costs.
At BrokerLink, we understand that running a tanning salon takes long hours, dedication, and a passion for serving others. That is why we make insurance simple. Our licensed brokers take the time to learn how your business works, then match you with a customized restaurant insurance policy that truly fits your needs.
With more than 30 years of experience helping insure Canadian businesses, we know the challenges taning salons face and the protection they need. For your free business insurance quote, contact us today by phone, email, or in person at one of our many locations across Canada. Or, if you prefer, you can use our free online quote tool to receive competitive tanning salon insurance quotes in just minutes.
Find a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Claims and services
Visit a branch
About us
No, it’s not required by law. However, most landlords, lenders, and franchise agreements will ask for proof of liability coverage before you can operate. Having insurance also protects your business from unexpected claims or accidents.
Yes, provided you include product liability insurance in your policy. This coverage protects your business if a client experiences an allergic reaction or other adverse effects from lotions, sprays, or other tanning products.
Yes. Tanning beds and other equipment can be covered through commercial property insurance or equipment breakdown insurance, which helps cover repair or replacement costs if your machines fail or are damaged.
Yes. Tanning salon insurance can be customized to cover spray tanning, airbrush services, and UV tanning. Policies can include professional liability, product liability, and property coverage tailored to the type of services you offer.
Absolutely. BrokerLink offers policies designed for home-based studios and mobile tanning services. These options ensure you’re protected whether you operate from your own home, travel to clients, or set up temporary locations.
Yes, unless the spa provides shared coverage. Always clarify with your broker to ensure your liability is clearly separated, so you’re protected for your own clients and equipment.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
Commercial Auto Insurance
Commercial Property Insurance
Commercial General Liability Insurance
Event Liability Insurance
Professional Liability Insurance
Cyber Insurance
Farm Insurance
Home Business Insurance
Equipment Breakdown Insurance
Directors & Officers Liability Insurance
Business Interruption Insurance
Course of Construction Insurance
