Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Pennsylvania Tanning Salon Insurance
Pennsylvania Tanning Salon Insurance. As a responsible tanning salon owner, you know that protecting your business and its assets along with your personal assets is important. Tanning salon insurance protects your business from a variety of perils that might cause financial distress or leave you holding the proverbial bag when it comes to litigation filed against your business by an unhappy or injured customer.
Coverage for your tanning salon business protects you against liability charges lodged against you. Sometimes there are major lawsuits filed against tanning salons. In Mount Pleasant, Pennsylvania, Sunkissed Tanning Spa found themselves the subject of two lawsuits. Two separate clients filed for $50,000 in purported damages against the spa due to negligence and privacy invasion by the owners. These suits are not uncommon and that is why Pennsylvania tanning salon insurance is so important.
Pennsylvania tanning salon insurance protects your business from lawsuits with rates as low as $45/mo. Get a fast quote and your certificate of insurance now.
The tanning industry received more heat in recent years due to the Melanoma Research Foundation stating that tanning bed UV exposure increases melanoma risk in people age 30 and under by as much as 75 percent. An uptick in lawsuits followed the study's results occurred. Many consumers are now claiming injury from laying in the tanning bed, and they are holding salon owners accountable.
Even among salon owners who follow the recommended practices from the manufacturer and follow strict privacy rules to build strong reputations for service and safety, tanning salons are still targeted in our litigious society. Commercial insurance covers many risks, but it can be a good idea to take out a specialized Pennsylvania tanning salon insurance policy that is tailored to the unique risks of your tanning business.
What Type of Tanning Salon Insurance Do You Need?
Understanding the details of your policy is important as a salon owners. You must also understand the individual needs that you have for protecting your business. There are several types of Pennsylvania tanning salon insurance policies that are necessary to ensure that your personal and business assets are not put in jeopardy if you are unfortunate enough to be sued by a customer who was harmed or injured in your salon. Some to consider:
- Property insurance - Protect your property, even if you do not own the building in which you do business, with property insurance. This coverage included the expensive equipment in your salon as well as damage that might occur because of theft, fire, smoke, and vandalism, among other perils.
- General liability insurance - Protect your assets from seizure, both on a personal and business level, with general liability insurance. If you have a customer who lodges a claim of bodily harm or property damage due to your business actions or inactions, then this policy is vital to fighting the claim, paying legal costs for your defense, and paying out awards, up to a limit.
- Business owner's insurance policy, or BOP. - A type of blanket insurance that puts a number of policies into one larger policy including property and liability coverage. BOP is a good choice for many salons.
- Commercial auto insurance - Cover the vehicles your business uses with commercial auto insurance. This is like a standard auto policy, but it's for business purposes only.
- Professional liability insurance or errors and omissions insurance - If a client files a claim for losses due to your business' negligence, this is the type of policy that kicks in and pays for any awards given in court and for your legal team to represent you.
- Office buildings
- Worker's compensation insurance - Keep this type of insurance in force to cover employee injuries or illnesses. It pays wages and medical costs if employees are hurt or become sick due to job-related duties.
The Cost of Tanning Salon Insurance
There is no specific set cost for Pennsylvania tanning salon insurance, since each salon is independent and faces varieties of risks. Some things that insurers look out when determining the premium charged for each salon include the salon's location, the building the salon is housed inside, the safety measures present in the salon, any history of claims against the salon, and any supplemental services offered. The level of coverage desired also matters. Work with a licensed agent to determine how much Pennsylvania tanning salon insurance coverage you need and retrieve quotes from several insurers to find one that meets your budgetary restraints.
Pennsylvania Economic Business Outlook & Commercial Insurance Requirements
While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.
If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.
Pennsylvania's Economy Now And Into The Future
In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.
The job market is expected to see steady growth in Pennsylvania during the 2019 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.
For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2019 calendar year. Other industries that are forecasted to see growth include:
- Printing & Publishing
If you are thinking about doing business in PA, working in one of these industries will likely afford you success.
Insurance Requirements For Businesses In Pennsylvania
The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.
While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.
Additional Resources For Health & Beauty Insurance
Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:
Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.
Estheticians - are trained to work with clients to treat skin care issues.
Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.
Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.
Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.
Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.
Salons - Similar to spas, salons are offer customers beauty treatments, services and products.
Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.
Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.
Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.
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Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.