Beauty & Personal Care

Tanning Salon Insurance in Ontario

UV-rated coverage for a regulated service.

Tanning combines UV exposure claims, minor burns, and equipment that must be maintained to standard — under Ontario's Skin Cancer Prevention Act rules for youth access and signage.

We insure tanning studios including spray-tan services, with equipment breakdown for the beds that are the business.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Treatment liability for UV and spray tanning
Equipment breakdown for essential machinery and systems
Contents and stock coverage for inventory, furnishings, and supplies
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

Are burn claims from tanning beds covered?: Yes — session-related burn and reaction claims fall under treatment liability. Maintained timers, posted protocols, and signed client acknowledgements are the risk controls underwriters (and defence lawyers) want to see.
How much does tanning salon insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get tanning salon insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Treatment liability for UV and spray tanning

Equipment breakdown for essential machinery and systems

Contents and stock coverage for inventory, furnishings, and supplies

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

Are burn claims from tanning beds covered?

Yes — session-related burn and reaction claims fall under treatment liability. Maintained timers, posted protocols, and signed client acknowledgements are the risk controls underwriters (and defence lawyers) want to see.

How much does tanning salon insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get tanning salon insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.