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Spray Tanning Insurance

As a professional spray tanner, you enjoy making people’s skin glow. Even with your hours of training and practicing, there are still some risks associated with being a professional spray tanner. Getting spray tanning insurance provides a financial safety net so you can do what you love with peace of mind.

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$96/ year

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Spray Tanning Insurance
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Common Questions

Spray tanning insurance protects you and your business from potential liability claims. These types of claims can include bodily injury, property damage, allergic reaction to the spray tan chemicals, and more. As a professional tanner, your coverage should include general liability, professional liability, products & completed operations, and inland marine coverage (tools and equipment coverage).

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Beauty & Bodywork Insurance offers a spray tanning insurance policy for only $96 per year. Please note if you offer any of the excluded methods listed on our site, you will not qualify for coverage under these prices.

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Although spray tanning is fairly safe, there are a few risks involved. If your client is allergic to the chemicals you use and sustains a rash, you can be held responsible for their medical bills. If the spray tan you provide for your client does not turn out how they want it, i.e. their skin is a different color than they’d like, they can file a lawsuit against you. For these reasons and more, you’ll want to make sure you have protection in place.

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Yes, you need spray tanning insurance! Because you are working with the human body, there is always the chance someone might react negatively to your services or the products you use. These risks are simply a part of being a professional spray tanner, which is why it’s important to protect your assets by purchasing spray tanning insurance. On the other hand, if a client trips on any of your equipment, you can also be held liable for any injuries that took place on your property. Without insurance coverage, you may be responsible for paying thousands of dollars out of your pocket.

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Airbrush spray tanning, HVLP spray tanning, and LVLP tanning are all included in a BBI spray tanning insurance policy. Although those methods are covered, keep in mind that sun tan beds or sun tan booths are not included in a BBI policy.

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Get a policy today

Join the thousands of beauty professionals nationwide who have found peace of mind by purchasing liability coverage from BBI.


per year

General & 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.


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.


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


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.


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.


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.

Who we are

The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.

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Veracity Insurance Solutions

Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs.

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Great American Insurance Group

Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.

Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014)

Popular methods

The esthetics industry includes a wide variety of practices and methods, and insurance coverage is essential for every one of them. No matter which modality is practiced, liability coverage is important. BBI has skin in the game, and our esthetician insurance policies are designed to give workers what they need to have assurance as they do their job.