Insurtec

What Insurtec does

Insurtec Inc. is a family-owned insurance agency and managing general agent (MGA) founded in 1995 and headquartered in Rich Hill, Missouri. The company specializes exclusively in liability and property insurance for the salon, spa, tanning, and personal-care services industry — a vertical that most major commercial carriers decline to underwrite because of excluded risks such as UV tanning bed exposure, chemical peels, and invasive cosmetic procedures. Its product portfolio comprises 11 specialized lines including Tanning Salon, Beauty Salon, Day Spa, Nail Salon, 24-Hour Tanning, Airbrush/Spray Tanning, Esthetician, Infrared Sauna, Permanent Makeup, Red Light Therapy, and Salt Therapy insurance, each combining general liability, professional liability, and optional property coverage into customizable occurrence-form policies.

The underlying technology stack is that of a traditional insurance agency: PDF-based application intake, manual agent-assisted quoting, and an SEO-optimized website with category-specific landing pages for organic lead capture. There is no proprietary AI/ML, no public API or SDK, and no mobile application; processes are relationship-driven rather than platform-driven. Distribution operates through three parallel channels — a direct online quote funnel, a nationwide trade show presence that has run continuously since 1995, and a broker/agent network formalized via a "Become a Producer" program with no production minimums.

Insurtec's revenue model is built on recurring insurance premiums and associated commissions on customized, quote-based policies with annual billing and multiple payment plan options. Its customer base is a long-tail SMB and micro-business book spanning solo estheticians, booth renters, multi-location tanning studios, nail technicians, and specialty wellness operators, with no disclosed enterprise anchor accounts. The firm has no external funding, no parent company, no acquisitions, and operates entirely within the United States, primarily anchored in Missouri.

Name

Insurtec

Legal name

Insurtec Inc.

Website

https://insurtecinc.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Insurtec is a family-owned managing general agent founded in 1995 that underwrites specialized liability and property insurance exclusively for U.S. salon, spa, tanning, and personal-care SMBs across 11 niche product lines.

Ownership category

akta.pro rank

Product category

Specialty Commercial Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Salon insurance
• Tanning insurance
• Spa insurance
• Esthetician insurance
• Beauty salon insurance

Headquarters

HQ city

Rich Hill

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Premiums: Recurring insurance premiums from general liability, professional liability, and property insurance policies for salons, spas, and tanning businesses. Multiple payment plan options available (monthly/annual).

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels4 records

Core offering

Insurtec is a family-owned insurance agency that sells specialized commercial insurance policies (general liability, professional liability, and optional property coverage) tailored to salons, spas, tanning facilities, estheticians, and beauty professionals. The company operates as a managing general agent writing occurrence-form policies since 1995, delivering customized quotes through PDF-based applications and a producer network of independent brokers. Coverage is designed for risks mainstream carriers exclude, including UV tanning beds, spray tanning, 24-hour automated tanning operations, chemical peels, and permanent makeup procedures.

Product overview

Insurtec is a family-owned insurance company offering a portfolio of specialized insurance products for the salon, spa, and tanning industries. The core offering consists of liability insurance (general liability and professional liability) combined with optional property coverage. Products include Tanning Salon Insurance, Beauty Salon Insurance, Day Spa Insurance, Nail Salon Insurance, 24-Hour Tanning Salon Insurance, Airbrush Tanning Insurance, Esthetician Insurance, Infrared Sauna Insurance, Permanent Makeup Insurance, Red Light Therapy Insurance, and Salt Therapy Insurance. All policies are customizable to individual business needs and delivered through traditional non-digital insurance processes (PDF applications and agent-assisted quoting). The company operates as a managing general agent writing occurrence-form policies since 1995.

Differentiator

Problem solved

Functional benefit

Products and services

• Tanning Salon Insurance Specialized insurance coverage for UV tanning salons of all sizes, from four to 40 tanning beds. Combines general liability, professional liability, and property protection covering tanning bed burns, UV exposure claims, and professional service-related liabilities.
• Beauty Salon Insurance Comprehensive liability and property coverage for hair, skincare, and nail services including hair coloring, waxing, facials, and nail treatments. Protects against slip-and-fall claims, professional service injuries, and property damage, and accommodates chair rental stylists and booth renters.
• Day Spa Insurance Insurance coverage for spa services including massage therapy, chemical peels, light therapy, infrared sauna, body wraps, and skincare treatments. Includes general liability, professional liability, and property coverage tailored to spa operations.
• Nail Salon Insurance Coverage for nail salons protecting against claims from infections, product reactions, service complaints, and nail damage. Includes general liability, professional liability, and property insurance for nail stations and supplies.
• 24-Hour Tanning Salon Insurance Specialized coverage for automated, unstaffed, and self-service tanning salons operating 24/7. Protects against liability from unsupervised equipment use, equipment breakdowns, and unauthorized access incidents.
• Airbrush/Spray Tanning Insurance Insurance for airbrush and spray tanning professionals covering claims related to fainting incidents, eye injuries, application mishaps, allergic reactions to DHA, and privacy concerns. Offers standalone policies for independent contractors and add-on coverage for salons.
• Esthetician Insurance Coverage for independent estheticians and skin care professionals protecting against claims from chemical peels, LED/laser treatments, facials, and extractions. Combines general and professional liability with optional property coverage.
• Infrared Sauna Insurance Protection for infrared sauna studios and wellness businesses covering client overheating, dehydration, equipment malfunctions, and slip-and-fall accidents. Includes general liability, professional liability, property, and equipment breakdown coverage.
• Permanent Makeup Insurance Insurance for microblading, lip blush, eyeliner tattooing, and scar camouflage procedures. Covers bodily injury, allergic reactions, application complaints, and equipment theft. Combines general liability, professional liability, and optional property coverage.
• Red Light Therapy Liability Insurance Coverage for red light therapy providers protecting against skin irritation, burns, eye damage, overexposure incidents, and equipment malfunctions. Includes general liability, professional liability, and property coverage.
• Salt Therapy Insurance Insurance for halotherapy studios and wellness centers covering respiratory reactions, air quality complaints, halogenerator malfunctions, and slip-and-fall accidents. Includes professional liability and property coverage.

Quantifiable outcome

• Coverage for real-world risks including UV tanning bed burns, spray tan mishaps, client injuries from professional services
• +1 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Cozy Digital ProscoreGTM or Marketing Partner · 20 May 2025Marketing partnership offering smart, affordable websites designed for salons and spas. Insurtec customers receive 10% discount on website services plus Google ranking guarantee. Cozy Digital Pros founder Chris Beshore has worked with Insurtec for over 25 years. Partnership designed to help salon owners improve online presence and digital visibility.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• CoverWallet: CoverWallet (an Aon company) is a digital broker providing small commercial insurance including beauty and personal services. It is an emerging player comparable to Insurtec in target customer, competing via online UX rather than traditional agency relationships.
• Simply Business: Simply Business is an online insurance marketplace that lets beauty and salon owners compare quotes from multiple carriers. It is comparable to Insurtec as a salon insurance distribution channel and increasingly competes on speed and convenience for the same customer.
• Thimble (now part of NEXT): Thimble offered on-demand liability insurance for small service businesses including beauty professionals. It targets the same micro-business customer as Insurtec's solo-esthetician and booth-renter products via a digital, short-duration model.

Broad incumbents

• Beazley: Beazley is a specialty insurer with professional liability and small commercial programs that can include beauty and wellness operators. It is a broad incumbent comparable to Insurtec in underwriting specialty liability risks for service businesses.
• Intact Insurance Specialty Solutions: Intact Insurance's specialty solutions division provides niche commercial programs including personal services and beauty-related risks. It is comparable to Insurtec as a specialty commercial insurance provider serving under-served service-business verticals.
• The Hartford: The Hartford is a national insurer with a small-business commercial package targeting beauty salons, barber shops, and personal-services operators. It is a broad incumbent that overlaps with Insurtec's salon and beauty book but at much greater scale and through agency distribution.
• Hiscox Insurance: Hiscox is a specialty insurer with a dedicated small business and professional liability book that includes beauty, salon, and personal-services professionals. It competes with Insurtec for the same underlying customers via a much broader product portfolio and stronger brand recognition.
• BiBerk (a Berkshire Hathaway company): BiBerk provides small commercial insurance including beauty and personal services coverage distributed through agents. It is a broad incumbent comparable to Insurtec in serving salon and personal-services SMBs via an agency/broker channel.
• Markel Insurance: Markel is a specialty insurer known for niche commercial programs including personal services and small professional lines. It competes with Insurtec in salon and spa specialty underwriting but at materially greater scale and with broader program offerings.

Direct peers

• Next Insurance: Next Insurance is a digital-first carrier offering small commercial policies including beauty, salon, and spa coverage online. It is directly comparable to Insurtec as a provider of liability insurance for beauty professionals and small businesses, competing for the same end customer via a digital rather than broker-led experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/insurtec
• LinkedInlinkedin.com/company/insurtec-inc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Insurtec