Spray Tanner Studio Insurance in Australia

Insurance customised to cover your spray tanning business in Australia

The Tanning industry is booming, and many customers are on the lookout for the best tanning salon in their area.

Accidents can happen. Your salon may experience machine damages, or one of your staff or contractors can make mistakes. That is why you need insurance for your business.

Do I need this insurance?

There is a high risk involved with tanning treatments, and tanning equipments can be easily damaged and can be very expensive to repair or replace. Without insurance, a salon owner may face financial difficulties.

Types of Spray Tanning Insurance for Your Business

Owning a Spray Tanning salon in Australia, opens the door to liability risks not only for yourself, but also for your employees and customers. Spray Tanning Insurance provides peace of mind that you all deserve.

Professional Indemnity/Medical Malpractice Insurance

is designed to protect your salon business from claims arising whilst you’re providing professional advice or services. Professional indemnity insurance can also assist you with the legal defence, compensation, and settlement costs associated with the claims.

Public Liability Insurance

As a spray tanning salon owner or professional, you are liable for injuries or damage arising from conducting your business. These can be incidents like slips and falls, which public liability may help with.

Product Liability Insurance

Part of running and operating a Spray Tanning Salon is to use products. Product liability insurance protects you from any personal injury or damage caused by your goods. If a client makes a claim against you for developing an irritation, product liability insurance may cover the compensation costs.

Other Business Insurance Products for Spray Tanning Salons

Risks for Spray Tanning are not only related to treatments but to business operations as well. Get covered by other business insurance on top of the above-mentioned policies. These policies below are a recommendation only and are subject to a review of your specific requirements

Management Liability

is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit, and statutory fines and penalties.

Business Insurance

This insurance cover protects your salon business, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business Interruption, for the potential loss of income, under certain sections of the business policy.

Cyber Insurance

If you maintain a website or a digital record of your customers’ personal information, especially online, you are at risk of a data breach. This policy will cover your liability from data theft.

Tax Audit Insurance

Whether you run a small or large business or work as a professional contractor. This insurance will cover your business for tax auditing by the ATO.

Workers Compensation

Workers’ compensation is a mandatory requirement for all businesses to cover their staff and contractors in the event of an accident

Personal Accident and Illness Insurance

This insurance is for every individual, business owner or contractor, as accidents and sickness do happen to business owners and contractors. This may assist your business to enable you to employ staff to cover you, the business owner, while you are unable to work.

Get in Touch with Sparrow Insurance

Any business always poses risks to both the business owner and the clients. With a spray tanning business, the risks can even be higher. To minimise such risks, arranging an insurance policy can help, so you can have peace of mind as you provide your beauty services.

Sparrow Insurance can assist you with arranging a customised salon insurance for your business needs. If you are self-employed or operate mobile tanning services, the range of policies may vary.

Get an insurance review or request a quote online now.

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FAQ's

How much does this insurance cost?

The cost will vary depending on several factors, such as your business size, the type of services you provide

Do I need workers compensation insurance?

Yes, if you employ staff or contractors. Workers compensation is mandatory in Australia, although the rules and regulations may vary from territory or state.

What are the standard features of this insurance type?

This insurance comes with standard policies like public liability insurance. We can help you customise your package, which will depend on the type of business you have. A mobile salon or studio will have varying policies from one that is stationary in a commercial place. Get in touch with us for a full product disclosure statement.

General Advice Warning

This advice has been prepared without taking into account the client's objectives, financial situation or needs.

Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation).

If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.

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