When you're building a spray tan business, it's easy to focus on equipment, products, pricing, and attracting clients. Business insurance and liability may be less exciting, but they deserve a place on the checklist too.
Because insurance requirements and available coverage can vary by state, insurer, business structure, services offered, and whether you work from a salon or travel to clients, there isn't one policy that is right for every spray tan professional.
The information below is intended for general educational purposes only and should not be considered legal or insurance advice. A licensed insurance professional and, when appropriate, an attorney can help you determine what is suitable for your individual business.
Questions to Ask About Business Insurance
Rather than assuming a particular policy includes everything your spray tan business needs, consider asking an insurance professional about the types of risks associated with your specific operation.
Topics worth discussing may include:
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General liability: Coverage associated with certain third-party bodily injury or property-damage claims.
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Professional liability: Coverage that may relate to claims involving professional services, errors, or negligence.
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Business property or equipment: Protection for equipment and other business property.
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Mobile business considerations: Whether coverage extends to services performed away from your primary business location.
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Business vehicle use: Whether driving to client appointments changes your auto insurance needs.
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Employees: Whether hiring staff creates additional insurance requirements in your state.
Policy definitions, exclusions, limits, and requirements vary, so confirm the details directly with your insurance provider rather than assuming a particular situation will be covered.
What About Client Intake and Consent Forms?
Client intake and consent forms can also be an important part of running an organized professional spray tan business.
An intake form may help you document information such as allergies or sensitivities disclosed by the client, relevant skin concerns, acknowledgement of the tanning process and aftercare instructions, and consent to receive the service.
However, a consent form is not a substitute for appropriate business insurance, nor does South Seas recommend relying on a generic waiver as legal protection. If you have questions about the wording or legal effectiveness of your forms, consult an attorney familiar with the laws that apply to your business.
Don't Forget About Mobile Spray Tanning
If you travel to clients' homes, hotels, bridal venues, competitions, or other locations, mention that specifically when discussing coverage with an insurance professional.
Mobile businesses may have considerations that differ from those of a technician working exclusively from one studio, including transporting equipment, performing services at third-party locations, and using a personal or business vehicle for appointments.
Rather than assuming your existing policies apply, ask your insurer how your specific business activities are treated.
Revisit Coverage as Your Business Grows
The needs of a solo spray tan technician may look very different from those of a salon with several technicians, employees, expensive equipment, or multiple services.
Consider reviewing your insurance whenever your business changes significantly — for example, when you move into a physical location, hire employees, add services, purchase substantial equipment, or begin offering mobile or event tanning.
A licensed insurance professional can help you determine whether those changes affect your existing coverage.
Professionalism Goes Beyond Insurance
Insurance is only one part of operating a professional spray tan business. Good training, proper sanitation, quality products, clear client communication, appropriate skin preparation, and consistent application practices all contribute to a better client experience.
South Seas supports spray tan professionals with professional tanning solutions, equipment, product education, and wholesale access through the South Seas Professional Program.
Frequently Asked Questions
Do I need insurance to start a spray tan business?
Requirements vary based on your location and how your business operates. Check applicable state and local requirements and speak with a licensed insurance professional about coverage appropriate for your business.
What is the difference between general liability and professional liability?
Generally, general liability and professional liability are designed to address different categories of business risk. Exactly what each policy covers depends on its terms, exclusions, and limits, so ask an insurance professional to explain how the policies you're considering would apply to your spray tan services.
Does a client waiver replace business insurance?
No. Client documentation and insurance serve different purposes. If you're unsure what should be included in a consent or waiver form — or what legal protection it may provide — consult a qualified attorney in your jurisdiction.
What should mobile spray tan professionals ask their insurer?
Tell the insurer that you travel to client locations and transport spray tanning equipment. Ask whether your business activities, equipment, and vehicle use are covered under the policies you're considering.
Should I review my coverage as my business grows?
Yes. Changes such as hiring employees, adding services, purchasing equipment, or moving into a new location are good opportunities to review your business risks and coverage with your insurance professional.