5 ways you can help avoid
slips, trips and falls in
your salon.


Test your Tanning iQ
and you could win $150!


Universal Insurance has been insuring tanning
salons for over twenty years.


Universal Insurance provides industry specific
knowledge and exceptional service.


Universal Insurance is the largest provider
of insurance to the tanning industry.

Let us review your insurance needs.


Call 602-222-8300 or Get A Quote


As a responsible salon owner you know securing the right insurance can help reduce risks and guard your assets. When you work with Universal Insurance, they will evaluate your exposures and help protect your business in the event of a loss.


At Universal Insurance, we are known for our exceptional customer service. We do what it takes to ensure your satisfaction and peace of mind. Universal Insurance participates in trade shows, holds seminars, and provides current risk management tips to assist our industry. We participate in various opportunities to help educate salon owners with techniques and tools that could help minimize claims and reduce insurance premiums.

  • “For over 20 years Universal Insurance has provided our customers with professionalism and a level of genuine customer service that is unmatched in any industry. The staff has extensive, hands-on knowledge of the tanning industry and works with us to create products to meet our needs.”
  • “Before switching to Universal Insurance, we were working with a local insurance agency that was unfamiliar with our industry. This caused us to spend a lot of time explaining our equipment, procedures, and services to them, which created more paperwork and higher rates. Moving to Universal was such a valuable decision and so easy to do – they know the equipment, understand the business, and could identify what we need to get the best coverage with just a few questions. With Universal, we got an insurance policy that was tailored to our business, and at a lower rate. As we begin to expand our brand and develop franchises, we know Universal will be there.”
  • “Universal Insurance was built on a code of ethics that include honesty, integrity and friendliness. We pride ourselves on treating everybody with open communication and respect. For over twenty years, our experienced team of specialized insurance professionals create an ease of mind for our clients all across the country. Universal Insurance is a solution based organization that solves problems in order to protect your business.””

Get a Quote

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Simply fill in the information below and a member of our staff will be in contact with you shortly. If you prefer, you may download our tanning salon insurance application. You may also call our staff with any questions, 602.222.8300.

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Available Coverages

Professional Liability
Professional Liability insurance protects providers of professional services (i.e. tanning bed operators, cosmetologists, beauticians) in the event of claims or lawsuits alleging damages as a result of their services.
General Liability
General Liability insurance protects business owners in the event of claims alleging damages as a result of their operations or premises.
Business Personal Property Coverage
This insurance provides protection to the owner of the furniture, fixtures, machinery, equipment, stock, tenant improvements and betterments and other personal property used in the business in the event of damage by a covered cause of loss.
Business Income
Also known as Business Interruption, this insurance protects the owner of a business from loss of income as a result of damage to property by a covered cause of loss.
Equipment Breakdown
Equipment Breakdown insurance covers loss due to mechanical or electrical breakdown (not maintenance) of any type of equipment.
Sign Coverage
This insurance provides protection to the owner of signs (attached to the building, freestanding or on awnings) in the event of damage by a covered cause of loss.
Employee Dishonesty
Part of Crime Coverage, Employee Dishonesty protects a business owner from loss of money or property as a result of employee theft.
Building Coverage
This insurance provides protection to the owner of the building structure in the event of damage by a covered cause of loss.
Workers' Compensation
This insurance, which is mandatory in most jurisdictions, covers employees for medical expenses and loss of wages as a result of an injury while on the job.
Employment Practices Liability
Protects employers from claims alleged as a result of violation of employment laws. Most common claims are sexual harassment, wrongful termination, discrimination, and wage and hour violations. Employment Practices are excluded from standard General Liability forms.
Usually a separate policy written through the US Government’s Flood Plan, this coverage is for any type of rising water claim that is not a result of damage first caused to allow the water in (ie roof damage). The peril of flood is normally excluded from standard Property Insurance.
Umbrella policies provide limits over underlying policies in order to increase the amount of coverage available. Umbrella policies usually can “go over” General Liability, Professional Liability, Employers’ Liability and Auto Liability. They usually follow the coverages and forms of the underlying policies and do not kick in until the underlying limits have been exhausted.


About Universal

Coverage designed with you in mind.

Universal Insurance provides comprehensive coverages to business professionals across the United States. The Arizona based firm was established in 1992 with the vision of providing specialized insurance programs to niche markets. To this day, Universal Insurance has a passion to help business owners by offering uniquely tailored insurance products.

Too often, entrepreneurs are over paying for insurance while having major gaps in coverages. The specific insurance needs for niche markets are better placed with customized programs.

Universal Insurance has a commitment to education and development in the insurance field as well as the specialty markets they represent. The staff at Universal Insurance travels nationally to attend tradeshows, hold seminars, and assist with risk management techniques.

Randy Tipton, President of Universal Insurance explains, “Our dedicated staff is extremely talented and we love what we do! We strive to provide the best coverages while reducing the overall insurance costs.”

ARTS is a risk-purchasing group dedicated to servicing the needs of responsible salon owners. ARTS membership is comprised solely of salon owners and operators and offers a wide variety of benefits designed to help members save money and make their business easier to run.

Universal Insurance Programs LLC  |  1220 E Osborn Rd.  |   Phoenix, AZ 85014
Tel: 602.222.8300  |  Fax: 866.512.2272 | Email: