Spray Tan Insurance
- Superfast, secure, and easy
- Instant coverage — for wherever you work!
- $15 per additional insured | $30 unlimited
BBI’s Spray Tanning Insurance
For every sun-kissed shade you create, Beauty & Bodywork Insurance (BBI) is the best choice for safeguarding your business.
Affordable
A policy priced with your budget in mind.
Comprehensive
All the coverage you need, tailored just for your industry.
Supportive
Customer service that’s here for you now and later.
Support That Lets Your Services Shine
Keep your operations running streak-free — BBI is here to help you with claims just like these.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Keep your operations running streak-free — BBI is here to help you with claims just like these.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
What Is Spray Tanner Insurance?
Spray tan insurance protects your business from costly third-party (usually client) claims.
BBI’s base policy includes coverage for:
- General liability
- Professional liability
- Products and completed operations
- Personal and advertising injury
- Fire legal liability
- Medical expenses
Focus on providing radiant results for your clients with essential coverage designed for you.
How Much Does Spray Tan Business Insurance Cost?
BBI’s excellent-rated coverage starts at just $9.99/month or $96/year. For less than 27 cents a day, you get $2 million in coverage per claim and $3 million in coverage for your policy year!
What Risks Do I Face as a Spray Tanner?
- Slip-and-falls in the tent
- Spray tan damage to property
- Client dissatisfied with color results
- Allergic reactions to spray tan solution
- Injury from spray tan machine malfunction
Accidents happen — even to the most experienced spray tanners. Protect your business from claims like these and work confidently today!
Quote-Free Insurance for Spray Tan Businesses
Over 63,000 professionals — including spray tan artists like you! — trust BBI to keep their businesses running flawlessly.
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Optional Add-Ons
Your base insurance policy comes standard with the coverages listed in the chart above. To customize your policy and maximize your protection, select from these extra coverages.
$2 – $5.50 / month
Tools and supplies coverage, or inland marine, can pay to replace your movable business gear if it gets damaged or stolen.
Good for: covering your spray tanning machines, airbrush compressors, tanning solutions, business tablet, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Adding additional insureds extends your policy coverage to qualified third parties that may be affected by claims brought against your business.
Good for: meeting the requirements of salon or spa owners, landlords, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: spray tan artists who book clients or accept payments online.
FAQs About Spray Tan Insurance
Do I Need Spray Tanning Insurance?
Yes! You need spray tanning insurance to:
- Financially protect yourself in case of accident or injury
- Meet common insurance requirements to work at a salon or spa
- Signal to clients that you’re a professional who cares about safety
- Stay in business when claims occur — keep doing what you love!
Is Mobile Spray Tan Insurance Included?
Yes, BBI’s coverage follows you! So if you travel to clients or work from different locations, you’re always covered while you bring out those golden glows.
You’re in Great Hands
Here’s what others love about us.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
What Other Services Does a BBI Policy Cover?
Specialize in other beauty services? A single BBI policy covers you for:
