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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$15 per Additional Insured or $30 for Unlimited
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without spray tan insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without spray tanning insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Common Questions
What Is Insurance For Spray Tanners?
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).
How Much Does Spray Tanning Insurance Cost?
Beauty & Bodywork Insurance offers a spray tanning insurance policy for only $9.99/month or $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.
Add on tools and supplies insurance, starting at just $2/month, to cover your spray tanning gear in case of theft or damage. Our multiple coverage tiers offer up to $10,000 in aggregate limits to suit your business needs.
What are Risks You Face as a Spray Tanner?
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.
Quote-Free Application Process
Join the tens of thousands of estheticians nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!
General and 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.
$3,000,000
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.
$3,000,000
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
Included
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.
$2,000,000
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.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
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.
Microcurrent Endorsement
Microcurrent therapy rejuvenates and improves the appearance of skin and can offer muscle pain relief. BBI offers coverage for microcurrent treatments—one of the latest technologies utilized by estheticians—for just $35 with your BBI policy. You can add the microcurrent endorsement to your policy when filling out your application.
The following exclusions apply to the microcurrent endorsement:
- You do not perform procedures on clients with cancer, implanted devices (such as pacemakers, defibrillators, etc.), are pregnant, or subject to seizures
- You only use handheld microcurrent devices
- You do not use electrode pads in your practice
- You only use microcurrent devices with 500 microamps and below
Additional Spray Tanning Questions
Do I Need Spray Tanning Insurance?
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.
What Methods of Spray Tanning Are Included in a BBI Policy?
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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Here’s what other people have to say about their experience.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
What Other Services Are Covered in a BBI Esthetician Insurance Policy?
BBI covers a wide variety of services. Take a look at the other esthetician methods we also cover:
