Tanning Salon Insurance

Running a tanning salon comes with unique risks, which is why tanning salon insurance is essential. Whether you’re protecting your equipment, your staff, or your clients, having the right coverage in place can make all the difference. Tanning salon insurance can help safeguard your business against various liabilities, ensuring that you stay protected no matter what happens.

General Liability For Tanning Salons

General liability insurance for tanning salons covers claims related to bodily injury, property damage, and personal injury that occur on your premises. For example, if a customer slips on a wet floor and suffers an injury, general liability insurance would cover their medical expenses and any potential legal costs that arise from the incident.

Business Owner's Policy (BOP) For Tanning Salons

A Business Owner's Policy (BOP) for tanning salons combines general liability and property insurance into one convenient package. It covers damages to your building, equipment, and inventory from events like fire, theft, or vandalism. For instance, if a fire damages your tanning beds and other equipment, your BOP would help cover the cost of repairs or replacements, allowing you to get back to business quickly.

Excess Liability For Tanning Salons

Excess liability insurance provides additional coverage beyond your standard policy limits. If a large claim exceeds the limits of your general liability policy, excess liability insurance steps in to cover the remaining costs. For instance, if a customer sues for severe burns they claim were caused by your tanning beds and the lawsuit costs exceed your general liability coverage, excess liability insurance would help cover the difference.

Professional Liability Insurance For Tanning Salons

Professional liability insurance, also known as errors and omissions insurance, covers claims related to professional mistakes or negligence. For tanning salons, this could include claims from customers who allege they received poor service or were injured due to improper use of tanning equipment. For instance, if a client files a lawsuit claiming that your advice on tanning duration led to skin damage, professional liability insurance would cover the legal defense costs and any settlements.

Tanning Salon Safe Practices

Regularly inspect and maintain all tanning equipment.
Provide thorough training for all staff on equipment use.
Ensure proper sanitation and hygiene practices are followed.
Post clear warnings about the risks of tanning and skin exposure.
Keep floors and common areas dry and free of obstacles to prevent slips and falls.

How to Get Tanning Salon Insurance

With over 17 years of experience, USA Insurance can help you get the best rate for your tanning salon insurance. Request a quote and buy a policy online in under 15 minutes. Our team is here to make the process easy and hassle-free.