Tanning Salon Insurance Policy Information
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,, 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 tanning salon insurance is so important.
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.
Below are some answers to commonly asked tanning salon insurance questions:
- What Is Tanning Salon Insurance?
- How Much Does Tanning Salon Insurance Cost?
- Why Do Tanning Salons Need Insurance?
- What Type Of Insurance Do Tanning Salons Need??
- What Does Tanning Salon Insurance Cover & Pay For?
What Is 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.
How Much Does Tanning Salon Insurance Cost?
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.
Why Do Tanning Salons Need Insurance?
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.
What Type Of Insurance Do Tanning Salons 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 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.
What Does Tanning Salon Insurance Cover & Pay For?
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.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7299 Miscellaneous Personal Services, Not Elsewhere Classified
- NAICS CODE: 812199 Sun Tanning Salons
- Suggested Workers Compensation Code(s): 9586 Beauty Shop, Barber Shop, or Hair Styling Salon
Description for 7299: Miscellaneous Personal Services, Not Elsewhere Classified
Division I: Services | Major Group 72: Personal Services | Industry Group 729: Miscellaneous Personal Services
7299 Miscellaneous Personal Services, Not Elsewhere Classified: Establishments primarily engaged in providing personal services, not elsewhere classified.
- Babysitting bureaus
- Bartering services for individuals
- Birth certificate agencies
- Blood pressure testing, coin-operated
- Car title and tag service
- Checkroom concessions or services
- Clothing rental, except industrial launderers and linen supply
- Coin-operated service machine operation: scales, shoeshine, lockers,
- College clearinghouses
- Comfort station operation
- Computer photography or portraits
- Consumer buying service
- Costume rental
- Dating service
- Debt counseling or adjustment service to individuals
- Depilatory salons
- Diet workshops
- Dress suit rental
- Electrolysis (hair removal)
- Escort service
- Genealogical investigation service
- Hair removal (electrolysis)
- Hair weaving or replacement service
- Locker rental, except cold storage
- Marriage bureaus
- Massage parlors
- Porter service
- Quilting for individuals
- Rest room operation
- Scalp treatment service
- Shopping service for individuals
- Steam baths
- Tanning salons
- Tattoo parlors
- Turkish baths
- Tuxedo rental
- Valet parking
- Wardrobe service, except theatrical
- Wedding chapels, privately operated
Tanning Salon Insurance - The Bottom Line
There is no specific set cost for 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 tanning salon insurance coverage you need and retrieve quotes from several insurers to find one that meets your budgetary restraints.
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 industry is a highly regulated sector, with strict rules and guidelines in place to ensure the safety and effectiveness of the products and services being provided. In addition to meeting these regulatory requirements, businesses in this industry also face a number of other risks and potential liabilities. For example, customers may suffer adverse reactions to products, or employees may suffer injuries while providing services. In these cases, the business could be held liable for any resulting damages or losses.
Business insurance can help protect a health and beauty business from these types of risks by providing financial coverage in the event of a claim or lawsuit. For example, a commercial insurance policy may provide coverage for medical expenses or damages that result from a product liability claim. It may also cover legal fees and other costs associated with defending the business against a claim.
In addition to protecting against financial losses, insurance can also help protect the reputation of a health and beauty business. If a business is sued or faces a costly claim, it can damage the business's reputation and negatively impact its bottom line. By having insurance in place, a business can show its customers and clients that it is prepared for any potential risks and is committed to protecting their safety and well-being.
Overall, commercial insurance is an important consideration for any business, but it is especially important in the health and beauty industry due to the unique risks and liabilities that businesses in this sector face. By having the right insurance coverage in place, businesses can protect themselves, their customers, and their employees, and ensure that they are able to operate with confidence and security.
Minimum recommended small business insurance coverage: Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Valuable Papers and Records, General Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyber Liability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.