Sunless Tanning Liability Insurance
No Hassle. No Quotes. Immediate Insurance Coverage.
Excellent-rated liability insurance policies that cover beauty professionals for more than 500+ beauty and wellness services. Get A-rated coverage for just $179/year, in just five minutes.
Immediate Sunless Tanning Insurance Coverage
Our online application takes 5 minutes, and you'll receive instant proof of sunless tanning liability insurance upon checkout.
#1 Trusted Sunless Tanning Liability Insurance
We have insured thousands of spray tan professionals and are backed by 5- star independent customer reviews.
Mobile Sunless Tanning Coverage
Do you practice at more than one place? Don't worry, our coverage will protect you in all 50 states.
Policyholder Benefits
We are more than just sunless tanning insurance; Elite Beauty Society has over $1,000 of policyholder perks tailored to the beauty industry.
Immediate Coverage
Our online application takes 5 minutes, and you'll receive instant proof of insurance upon checkout.
#1 Trusted Insurance
We have insured thousands of cosmetologists and are backed by 5- star independent customer reviews.
Mobile Coverage
Do you practice at more than one place? Don't worry, our coverage will protect in all 50 states.
Member Benefits
We are more than just cosmetology insurance, EBS has over $1,000 of member perks tailored to the beauty industry.
Affordable Liability Insurance Policies for Sunless Tanning
Sunless tanning liability insurance coverage starts at just $49/year for students and $179/year for full-time estheticians. At Elite Beauty Society, we understand that your spray tan business comes first, and you put in the effort every day to help your tanning salon or sunless tanning services succeed. That is why we have a fixed insurance policy that provides the liability coverage you need while fitting the budget that works for you.
See our rates below:
Two Year
$
299
/year
One Year
$
179
/year
Student
$
49
/year
Premier Professional Beauty Insurance You Can Trust
Trusted by Leading Companies
Rest assured you and your career are protected with Elite Beauty Society. We're A-Rated (Superior) and backed by Arthur J. Gallagher.
BBB A+ Accreditation
Elite Beauty Society takes great pride in achieving an A+ accreditation from the Better Business Bureau. Trust is at the heart of our values, and we remain unwavering in our commitment to prioritizing our customer communities.
Top-Tier Financial Strength
Elite Beauty Society is backed by carriers rated A (Excellent) by AM Best—an independent global credit rating agency—ensuring reliable coverage and long-term financial stability.
Sunless Tanning Insurance Highlights and Coverage
Sunless tanning liability claims can cost thousands, with the average incident often exceeding $5,000 in medical expenses or legal fees. Without the right tanning salon insurance in place, a single accident could put your finances, and spray tan career at risk.
That’s why our sunless tanning liability insurance policies safeguard the essential areas of your work. Insurance coverage includes general and professional liability, which provide protection from medical expenses, defense costs, and legal fees, giving spray tan professionals and salon owners peace of mind while providing sunless tanning services.
Whether you’re searching for spray tan insurance coverage, clear answers about how much coverage you need, or a flexible insurance policy tailored to tanning salons and spray tan artists, we make it simple and affordable to protect your future in the tanning industry.
Sunless Tanning Insurance Policy Details
Professional & General Liability:
$2 Million per occurrence
$3 Million per year
Personal Injury and Advertising Injury:
$2 Million
Identity Theft Protection:
$25,000
Professional liability insurance covers the unique risks tied to your work as a spray tan professional. Sometimes referred to as spray tan liability insurance, it protects you if something you do while providing sunless tanning services causes harm to a client. For example, if a customer experiences an allergic reaction to a spray tan solution or develops a skin irritation after a session, professional liability coverage steps in. This helps cover medical expenses, legal fees, and defense costs, so you don’t have to pay out of pocket if a claim is filed.
On the other hand, general liability insurance covers risks that can occur in any tanning salon environment. Think of it as slip-and-fall coverage, ideal for accidents like a client tripping on tanning equipment or slipping in your salon space. A general liability insurance policy also provides protection against bodily injury claims, helping with medical expenses incurred, as well as legal expenses.
Both professional liability insurance and general liability coverage are essential parts of a sunless tanning liability insurance policy. Together, they provide comprehensive coverage to safeguard your finances and reputation, keeping spray tan artists and salon owners protected from unexpected bills and personal injury claims.
In today’s digital world, having an online presence is a must for spray tan professionals. From showcasing before-and-after tans on social media to managing client bookings and handling finances online, the tanning industry thrives online, but it also brings risks like identity theft. Hackers and online criminals can target anyone, putting your personal information and finances at risk.
That’s why Elite Beauty Society includes Identity Theft Protection with every sunless tanning liability insurance policy. Unlike many other insurance providers, we make this safeguard a priority, helping you with up to $25,000 for your situation. With this protection, your spray tan insurance coverage keeps your career safe at every level, both in your salon and online.
What Kind of Insurance Does a Spray Tan Professional Need?
As an independent spray tan professional, your clients rely on your skill and professionalism, but even the most experienced spray tan artists face unexpected risks. A slip in your tanning salon, a client’s adverse skin reaction to a spray tan solution, or an accident involving tanning equipment can quickly lead to costly medical expenses or legal claims. That’s why sunless tanning liability insurance isn’t just smart, it’s essential.
Liability coverage provides a financial safety net, protecting you from out-of-pocket expenses tied to accidents, bodily injury, or lawsuits. With the right insurance policy, you can focus on providing flawless sunless tanning results without the stress of “what if” hanging over your head.
At Elite Beauty Society, we offer spray tan insurance specifically for sunless tanning professionals. Our policies combine affordability with comprehensive coverage, including both general liability coverage and professional liability insurance, so you’re supported every step of the way. Whether you’re just starting your spray tan business or expanding your client base in the tanning industry, we’ve got you covered.
Examples of How Sunless Tanning Insurance Can Protect You
Let’s look at some examples of how sunless tanning liability insurance could help protect you in the future:
- Example one: A client books a spray tan session at your salon. After applying the tanning solution, the client develops a severe skin reaction and seeks medical treatment. Later, they hire a lawyer and hold you responsible for their medical expenses. With spray tan insurance coverage from EBS, your professional liability insurance will help cover the cost of that lawsuit, including legal defense fees and potential settlement costs.
- Example two: A client is walking toward your tanning booth when they trip over a piece of tanning equipment and suffer a serious injury. This client can file a claim for bodily injury, but with general liability coverage from your tanning salon insurance policy, you’re protected. EBS provides the financial assistance and liability coverage you need, so accidents don’t put your spray tan career at risk.
Elite Beauty Society Member Perks
50% off your first 2 months of subscription to GlossGenius Gold:
#1 Scheduling and Booking Software for Beauty Professionals
Discounted Health Insurance Marketplace:
Receive discounted rates to ACA Health Insurance with Dental/ Vision Plans
Lifestyle & Travel Discounts:
Save on Hotels, Rental Cars, And Business Supplies
10% Off a Yearly Subscription to BTC University:
Access 600+ Hours in Continued Education
And, So Much More!
We are continually adding more member perks to better serve our community
What Services Do We Cover?
EBS offers coverage for more than 500+ beauty and wellness services including cosmetology insurance and more.
Trusted By Thousands of Beauty Professionals Nationwide.
Elite Beauty Society is proud to have 5-star, excellent-rated customer reviews. We are dedicated to bettering our insurance and membership to meet the needs of all sunless tanning experts.
Check out what some of our customers are saying:
I love Elite Beauty Society! The rates are great, the coverage is thorough, and everything is so user friendly- from the website to the automated emails that remind you exactly when to renew your policy! Whenever I’ve had to contact customer service, they are always extremely timely with their responses and SO friendly, personable, and professional!
EBS Customer
Sign up was easy. Reasonable pricing in my opinion. Recently started taking my own clients and need to have proof of liability. This was the simplest route and I thank Elite Beauty Society for making it an easy process!
Gabrielle
EBS Customer
Why You Need Sunless Tanning Insurance to Protect Your Career
Whether you are renting a salon suite, operating in a tanning salon, running your own spray tan business, or working as a mobile spray tan artist, purchasing sunless tanning liability insurance policy supports and protects your career wherever you go.
Liability insurance provides peace of mind and assurance, no matter where your tanning career takes you. A little insurance knowledge can empower you to make the right decision when researching and purchasing a professional liability insurance and general liability coverage policy. Below is a complete breakdown of everything you need to know about a spray tan insurance policy.
Sunless Tanning Insurance FAQs
Even the most careful spray tan professionals know that accidents happen. A client could have an allergic reaction, trip near tanning beds, or even make a claim for another's advertising idea if they believe your marketing copies theirs. Without insurance, you would be legally obligated to pay for medical bills, defense costs, or damages out of pocket. EBS sunless tanning insurance provides the essential coverage you need to protect your career, reputation, and finances.
With Elite Beauty Society, coverage applies to a wide range of professional services in the tanning industry. Policies include both general liability (for slip-and-fall or injury risks) and professional liability insurance (for claims arising from the services you provide). You’ll also receive identity theft protection, which is rare among beauty-industry insurance providers. Together, this creates a risk management safety net that keeps your tanning career secure.
Elite Beauty Society policies come with high professional liability limits that help protect you if you’re sued for bodily injury or other damages related to your sunless tanning services:
- Professional & General Liability: $2 Million per occurrence/$3 Million per year
- Personal Injury and Advertising Injury: $2 Million
Identity Theft Protection: $25,000
Yes! Many spray tan artists also offer multiple services within their business and professional services, such as temporary makeup application, lash lifts, or other beauty treatments. Your Elite Beauty Society insurance policy is built to adapt, extending liability protection to cover the range of professional services you legally provide.
With Elite Beauty Society, you can receive instant coverage. As soon as your application is processed and approved, your insurance policy is active and ready to protect you. That means you can focus on your spray tan career with confidence, knowing that if something happens tomorrow, you’re covered today.
Elite Beauty Society is more than just an insurance company, we’re dedicated to beauty professionals. With a focus on excellent customer service, comprehensive risk management, and policies that are easy to understand, Elite Beauty Society supports sunless tanning professionals at every stage of their careers. Our identity theft protection, high professional liability limits, and ability to cover multiple services set us apart in the tanning industry.
Get Your Insurance Guide eBook
Ensure a secure future for your business! Download our Liability Insurance Ebook now for expert insights on coverage essentials and risk management. Don't let uncertainties affect your passion – empower yourself today!
Compare Sunless Tanning Liability Insurance
| Associated Hair Professionals | Next Beauty Insurance | Elite Beauty Society | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Theft Protection Included? | $$$Add'tl Cost | ||||
| Health, Dental & Vision Coverage Access Included? | |||||
| Includes Member Benefits? | |||||
| Coverage in 50 States? | |||||
| Monthly Payment Options? | |||||
| Price | $199 | At a Quote | $179 | $185 | $96 |