Spray Tanning / Sunless Tanning
Liability Insurance
Protect Your Career with Spray Tanning Liability Insurance
Our Spray Tanning / Sunless Tanning liability insurance offers essential protection for spray tan technicians and spray tan artists working across the beauty industry. It’s designed specifically to cover the unique risks you face when delivering glowing results, like skin reactions, product liability, and personal injury claims, so you can focus on making your clients feel confident.
With this insurance, you’re protected from legal expenses and general liability claims, giving you peace of mind whether you're working in a tanning salon or offering mobile spray services. Our plans are affordable and provide comprehensive coverage that fits the needs of today’s spray tan professionals.
This makes our spray tan insurance a must-have for beauty professionals looking for dependable and instant coverage. Explore our insurance products to find the right plan for your business and protect what you’ve built year-round.
Spray Tanning Liability Insurance Cost
$169 - 1 Year
Our Spray Tanning / Sunless Tanning insurance policy is tailored by years of experience just for service providers. We provide perks and benefits other companies don't - like free CEs, coverage for more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work less hours? Pay lower rates. This Spray Tanning / Sunless Tanning liability insurance policy is for professionals who work fewer than 10 hands-on hours per week but still want high-quality insurance coverage.
$299 - 2 Year
Protect yourself with our two-year Spray Tanning / Sunless Tanning liability insurance policy that saves you $39 over the course of your membership. You get all the same perks and benefits as our standard policy and don't have to worry about a lapse in coverage for two years.
Already insured & looking to renew?
What Our Spray Tanning / Sunless Tanning Insurance Covers
Spray Tanning / Sunless Tanning insurance from MMIP provides both liability coverage and additional safeguards that provide the best all-around protection possible.
Our Spray Tanning / Sunless Tanning Insurance Plans Provide Coverage Under the Following Areas:
General Liability Insurance: This is also known as “slip and fall” insurance because that’s a common type of accident that can cause a claim. When you open your doors and start receiving clients, you’re also opening yourself up to general liability. A client tripping over a loose front doormat and injuring themselves is an example of an event that would fall under this coverage type.
Personal & Advertising Injury Coverage: This coverage can provide financial assistance to Spray Tanning / Sunless Tanning service providers if they become legally obligated to pay damages that arise from claims related to false advertising, libel, slander, or copyright infringement. For example, if marketing materials inadvertently include false statements that damage another person's reputation, this coverage can help with legal and financial fallouts.
Professional Liability Insurance: Also called “malpractice coverage,” this protection is for the actual services you provide during a Spray Tanning Sunless Tanning session. If a client reports an injury, they may seek legal action to get compensation. These types of claims would fall under professional liability.
Identity Protection Plan: Today’s Spray Tanning / Sunless Tanning are exposed more than ever to the threat of a cyber incident stealing their personal data. If this occurs, our members get all the way up to $25,000 in identity restoration services.
Exclusive coverage perks and benefits included
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 50 hours of FREE NCBTMB-approved online continuing education courses from Niel Asher Education.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Disciplines and Modalities We Cover
General And Professional Liability Limits
What is Spray Tanning?
Spray tanning, also known as sunless tanning, is a popular beauty service that gives clients a bronzed, sun-kissed glow without harmful UV exposure. Used by everyone from beauty enthusiasts to models and brides, spray tans are applied by trained spray tan technicians using specialized equipment and professional tanning solutions.
This beauty practice has evolved from early formulations into a highly customizable and professional service offered in tanning salons, spas, and even as mobile spray options. Whether it's for a special event or year-round radiance, spray tan professionals tailor the experience to match each client's desired depth and skin tone.
In today’s beauty industry, spray tanning has become an essential service, offering a quick, effective way to boost confidence and appearance without risking sun damage. As demand grows, so do the responsibilities and potential risks faced by spray tan artists, making proper spray tan insurance coverage more important than ever.
Do I Need Spray Tanning Liability Insurance?
Absolutely! Having spray tanning or sunless tanning liability insurance is not only a smart business decision; it may also be required, depending on your state or the setting in which you operate. Laws and licensing requirements vary, so staying informed and making sure your spray tan business is fully protected is necessary.
But insurance isn’t just about meeting regulations. It’s about safeguarding your reputation, your finances, and your future. If a client experiences a skin reaction, or files a personal injury lawsuit after a spray tan session, the resulting legal expenses can be life-altering. With the right spray tan insurance coverage, you can focus on helping clients glow without the stress of potential claims.
Don’t leave your career vulnerable. Get the professional liability insurance and general liability coverage you need to protect your business and spray with confidence!
What Should I Look for in a Spray Tanning / Sunless Tanning Insurance Policy?
Prioritize a policy that covers both professional and general liability, including a range of services like aesthetics, cosmetic application, and body wraps. Its features should include identity protection and access to health benefits. Instant coverage options, the ability to add unlimited additional insureds, and personal injury protection are highly important for comprehensive security. Also, look for policies offering free continuing education, member discounts, and flexible payment plans.
Our Spray Tanning / Sunless Tanning insurance policy is designed to check all these boxes, making sure that every aspect of your practice is protected. With our specialized insurance policy, you'll confidently focus on providing exceptional care to your clients, knowing that you have the most complete and tailored coverage backing your professional journey.
Hear What Our Liability Insurance Members Have To Say
Frequently Asked Questions
Do I really need spray tanning insurance if I work in a salon?
Yes! Whether you're a booth renter, employee, or salon owner, tanning salon insurance is essential coverage. It protects you from personal injury claims and even lawsuits related to allergic reactions or client dissatisfaction.
What does spray-tan insurance actually cover?
Great question! It usually includes:
- Professional liability insurance for service-related claims
- General liability for accidents like slips and falls
- Coverage for legal fees and medical expenses if a client sues
It’s the full safety net for anyone in the tanning industry.
How much coverage do I need?
That depends on your business! If you're offering multiple services like makeup, wellness services, or tanning bed sessions, you’ll likely need higher coverage limits. Many salon pros choose $2 million per claim and $3 million per year as a solid starting point.
What are some common claims in the tanning industry?
Some common claims include:
- Clients having bad skin reactions
- Overspray or staining from tanning solution
- Trip or slip and fall accidents in the salon
These situations can lead to lawsuits and expensive legal fees, which is why having insurance is so important.
Does this insurance work for mobile and salon-based services?
Absolutely. Whether you run your business on the go or in a physical location, spray tan insurance is designed to cover salon owners, mobile spray technicians, and everyone in between.
