Buy Tanning Salon Insurance

Tanning salon insurance is a type of insurance coverage specifically designed for businesses that offer tanning services. It provides protection against various risks associated with operating a tanning salon, such as property damage, liability claims, and loss of income.

This insurance can cover costs related to legal fees, medical expenses, and repairs, among others. The coverage may vary depending on the specific policy, but it is generally intended to protect the business and its owners against financial loss.

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small tanning salons ranges from $45 to $69 per month based on location, size, payroll, sales and experience.

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 tanning salon insurance policy that is tailored to the unique risks of your tanning business.

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 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.

Tanning salons, like any other business, face the risk of lawsuits for various reasons. Some common reasons tanning salons are sued include:

Personal injury: Customers may sue a tanning salon if they sustain injuries while using the tanning beds or other equipment. For example, if a customer suffers burns, skin damage, or eye injuries due to malfunctioning or improperly maintained tanning equipment, they may file a lawsuit against the salon.
How insurance can help: A general liability insurance policy for the tanning salon can provide coverage for such lawsuits. It can help pay for legal defense costs, settlements, or judgments if the salon is found liable for the customer's injuries.

Negligence: Tanning salons have a duty to provide safe and properly maintained equipment to their customers. If a tanning salon is negligent in maintaining their equipment, such as failing to regularly inspect and maintain tanning beds, and a customer is injured as a result, the salon may be sued for negligence.
How insurance can help: A general liability insurance policy may provide coverage for negligence claims. It can help cover legal expenses, settlements, or judgments in case the salon is found negligent and liable for the customer's injuries.

Misrepresentation: Tanning salons may be sued if they make false or misleading statements about the safety or effectiveness of their services. For example, if a tanning salon claims that their tanning beds do not pose any health risks, but a customer later develops health issues related to tanning, the customer may sue the salon for misrepresentation.
How insurance can help: A general liability insurance policy can provide coverage for claims related to misrepresentation. It can help cover legal costs, settlements, or judgments if the salon is found to have made false or misleading statements that led to harm to the customer.

Employee injuries: Tanning salons may face lawsuits if their employees suffer injuries while on the job, such as slips, trips, or falls. For example, if an employee slips on a wet floor in the salon and sustains injuries, they may file a workers' compensation claim against the salon.
How insurance can help: Workers' compensation insurance, which is typically required for businesses with employees, can provide coverage for employee injuries. It can help cover medical expenses, lost wages, and other costs associated with the injury claim.

Property damage: Tanning salons may be sued for property damage if their equipment or operations cause damage to someone else's property. For example, if a tanning bed malfunctions and causes damage to the building or property of a neighboring business, the salon may be held liable and sued for property damage.
How insurance can help: A general liability insurance policy can provide coverage for property damage claims. It can help pay for the cost of repairs or replacement of the damaged property, as well as legal defense costs if the salon is sued.

In summary, insurance can protect tanning salons by providing coverage for a wide range of risks, including personal injury, negligence, misrepresentation, employee injuries, and property damage. It can help pay for legal defense costs, settlements, or judgments, which can potentially save the salon from significant financial loss in case of a lawsuit. It's important for tanning salons to carefully review their insurance coverage and work with a qualified insurance professional to ensure they have adequate protection against potential liabilities.