Tanning Salon Insurance Coverage Checklist
The coverages a tanning salon business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for tanning and spray-tan salons. Priorities reflect typical exposure; confirm against services offered and staffing hours.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (Tanning) | Covers burns, eye injuries, and reactions from UV and spray-tan services — GL usually excludes them. | Core | |
| Commercial General Liability | Covers customer slips and injuries on premises. | Core | |
| Products Liability | Covers lotions and products sold. | Prevalent | |
| Business Personal Property & Equipment Breakdown | Covers tanning beds and booths, which are costly to repair or replace. | Core | |
| Business Income | Replaces income if equipment failure or a covered loss closes the salon. | Prevalent | |
| Workers' Compensation | Required in most states if the salon has employees. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is how the policy treats UV exposure. Some policies exclude skin cancer or long-term UV claims, and those claims can surface years after the tanning sessions. FDA withdrew its proposed nationwide under-18 ban in March 2026, so rules for minors now vary by state — 44 states and DC ban or regulate them. Salons should confirm the policy has no UV exclusion, follow the strictest local rule for minors, and keep consent forms and session logs for many years.
Send us the checklist and we'll review your tanning salon coverage line by line, then market it across multiple carriers that compete for your account.
Related: Tanning Salon Insurance · Tanning Salon Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a tanning salon business need?
The core coverages for a tanning salon business are Professional Liability (Tanning), Commercial General Liability, Business Personal Property & Equipment Breakdown. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my tanning salon coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.