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For businesses and individuals

Tanning salons are a great business and as the owner/operator of a tanning salon, your goal is to keep clients safe, happy, and of course, get them a good tan! You have a lot of responsibility on your back so take a load off by ensuring you have proper coverage with tanning salon insurance.

It’s hard to find adequate tanning salon insurance because other carriers don’t want to take on the risk. Most that do offer such insurance will have gaps and exclusions that leave you exposed to liability and lawsuits. XINSURANCE offers insurance solutions to all 50 states for specialty risks, gaps, and exclusions. No matter what services you offer and what equipment you use, we are here to provide customized liability insurance so you can have true peace of mind.

tanning salon insurance
tanning salon insurance


Coverages Available for Tanning Salon Insurance

XINSURANCE offers a unique all-in-one approach so you can have all of your coverages under one policy. Examples of available coverages include:

  • Commercial General Liability: Provides broad coverage for injuries and property damage sustained by third parties while on the tanning salon property.
  • Products Liability: Protects you if a product you sell is found to be defective or harmful to your customers.
  • Premises Liability: Part of the CGL coverage that protects against slips, trips, falls, etc. on the tanning salon property.
  • Commercial Auto (available in most states): If you or your employees drive a commercial vehicle for business purposes, this coverage can protect you from liability.
  • Property Coverage: If you own the commercial building or space, this coverage will cover property including your equipment in case of fire, smoke damage, vandalism, etc.
  • Professional Liability: Will protect you if a client claims your business negligence led to losses. Examples include a tanner claiming you’re responsible for their burns or a new employee accidentally scheduling a new tanner for too much time on the bed.
  • True Umbrella: Our true umbrella can cover any gap, limitation, or exclusion in any other insurance policy in force. No UV, eye wear, or cancer exclusions!
  • Communicable Disease Coverage: Use communicable disease coverage to safeguard your business against claims of negligence arising from exposure to transmittable illnesses.
  • Active Shooter Coverage: This form of workplace violence insurance offers third-party liability protection. If an injured party or a family member files a successful lawsuit against the organization, the plan will cover the settlement or judgment award up to the limits of the policy. The insurance will also pay for any medical or funeral expenses stemming from the incident, as well as death benefits to survivors.

Please note that we do not provide workers’ compensation.


XINSURANCE is a full-service liability insurance partner that covers the most challenging risks. We provide liability insurance solutions for anyone looking for coverage, even if you’ve been canceled or non-renewed by an insurance carrier. We can also customize your policy to ensure it meets your specific needs. You’ll have true peace of mind knowing you have a trusted partner by your side whenever an accident or incident occurs.

Why Should You Choose XINSURANCE for Tanning Salon Liability Insurance?

At XINSURANCE, we support the policies we sell with top-notch customer service. With our flexible underwriting and all-in-one approach, we can cover “unique” risks that most of our competitors avoid, ensuring you’ll get the customized plan you require. We also provide risk management services to help you minimize the likelihood of a liability-related incident — every service we offer is designed with the goal of giving you true peace of mind

You’ll also appreciate our prompt, reliable claims service. Our claims representatives are available around the clock to take your calls and get the process started. We have the expertise to handle your claim expeditiously and get the fast results you deserve.

Get A Quote for Tanning Salon Insurance

If you’re interested in getting a quote, please call us at 877-585-2853 or send an email to quotes@xinsurance.com with your inquiry. If you’d like to jump straight to the application, you can fill out the form at the top that will lead you to our online application. The online app should take you 10-20 minutes and once submitted, we’ll have our in-house underwriting team review it and contact you as soon as possible to give you a quote.

We’re also happy to provide a free policy review! We can look at your current policy and let you know if you have any gaps or exclusions leaving you exposed. We can talk about replacing that policy or just adding to it to make sure you’re covered!

For any questions or concerns, just give us a call at 877-585-2853!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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