Do I Need Insurance for Mobile Spray Tanning?

If you’re a professional spray tanner offering mobile services, you might be wondering whether you need spray tanning insurance. Running a mobile spray tanning business comes with unique risks and liabilities.

The right insurance coverage can help protect your business from unexpected events and potential legal claims.

What Risks Does a Mobile Spray Tanning Business Face?

As a mobile spray tanning professional, you face several risks in your day-to-day operations:

Accidental injury to a client during a tanning session
Allergic reactions or skin irritation from tanning products
Damage to a client’s property while providing services at their location
Theft or damage to your own tanning equipment and supplies
Legal claims arising from your professional services or advice

Without proper insurance coverage, you could be held personally liable for bodily injury, property damage, or other losses related to your mobile spray tanning business. A single claim or lawsuit could put your finances and reputation at risk.

What Types of Insurance Do Mobile Spray Tanners Need?

To protect your mobile spray tanning business, consider these key types of insurance:

Public Liability Insurance

Public liability insurance is key for any company that interacts with clients or the public. This coverage protects you if a client or third party suffers injury or property damage due to your business activities and makes a compensation claim against you.

For example, if you accidentally stain a client’s carpet or furniture while spray tanning at their home, public liability insurance would cover the costs to clean or replace the damaged items.

Product Liability Insurance

Product liability insurance protects you if a product you use or sell causes injury or damage to a client. If a client has an allergic reaction or suffers skin irritation from a tanning solution you applied, product liability coverage would apply.

This insurance is important whether you’re using third-party tanning products or selling your own branded products to clients.

Personal Accident and Sickness Insurance

As a self-employed mobile spray tanner, your income depends on your ability to work. Personal accident and sickness insurance provides financial support if you’re unable to work due to an accidental injury or illness.

This coverage can help replace lost income and cover medical expenses, allowing you to focus on recovery without worrying about financial strain.

Legal Expenses Insurance

Legal expenses insurance covers legal fees and court costs if you need to defend your business against a legal claim or pursue legal action to protect your interests. This could include disputes with clients, employees, suppliers, or regulatory bodies.

Without legal expenses coverage, the cost of hiring a solicitor and navigating the legal system could quickly add up and strain your business finances.

Property Insurance

As a mobile spray tanner, you likely have invested in specialised tanning equipment, products, and supplies. Property insurance protects your business property from losses due to accidental damage or theft, whether it’s at your home office or being used away from your main premises.

How Much Spray Tanning Insurance Coverage Do I Need?

The level of insurance coverage you need depends on factors like the size of your mobile spray tanning business, the services you offer, and your client base. A larger business with more clients and employees will generally need higher coverage limits than a solo operator.

At a minimum, most spray tanning professionals should have:

£1 million in public liability coverage
£1 million in product liability coverage
£100,000 in legal expenses coverage
Enough property coverage to replace your business equipment and stock

It’s best to discuss your specific business needs and risks with an insurance provider who specialises in the beauty and tanning industry. They can help tailor a spray tanning insurance policy to your unique situation.

Where Can I Get Mobile Spray Tanning Insurance?

When shopping for mobile spray tan insurance, look for an insurer with experience covering beauty and tanning businesses. A specialist provider will understand the unique risks you face and can offer customised coverage options.

At Salon Saver, we offer comprehensive beautician insurance cover for mobile spray tanning services. Our policies provide essential coverages like public liability, product liability, and treatment risk insurance, giving you peace of mind as you grow your business.

With over 20 years of experience, we understand the risks you face and can help you find the right level of coverage for you. Don’t leave your mobile spray tanning business exposed to risk – get a quote from Salon Saver today.

Dean Laming

Dean Laming is a Chartered Insurance Broker with more than 25 years insurance experience. Through various underwriting, operational and management roles, Dean has built up extensive knowledge of the hair and beauty sector and is now Managing Director of Salon Saver, part of the wider Henry Seymour Group.

All articles by Dean Laming