Tanning Salon Insurance
We have been writing specialized tanning salon insurance since 1995. We’ve watched as tanning salons have added new services and expanded into spray tanning. We’ve been covering all those services for years. One of the most difficult things to find is an insurance policy that can cover all the services you offer, especially tanning salon insurance. None of the big carriers will write tanning salons because of the fear of a cancer claim. That’s where we step in. We don’t have a cancer exclusion and specialize in exactly the coverage you need.
This short video explains why you need specialized tanning salon insurance
Tanning Salon Insurance Liability Coverage
Tanning salon liability insurance protects you against when someone claims to have been injured in your tanning salon. This is a regular business claim, like a slip and fall, or related directly to the services you offer.
Why Do You Need Specialized Tanning Salon Insurance?
If you need coverage for your tanning salon, most any regular agent will not insure you. If they do, there will be steep restrictions and often and exclusion on all tanning bed related services. That’s not going to work! The coverage will most likely work fine for a slip and fall or slander claim. But what if one of your clients is burned during a session? The truth is your claim will be denied without specialized coverage.
General Liability Insurance
Our policy will cover you for bodily injuries, property damage, libel, and advertising claims. Our tanning salon insurance policy also covers common claims such as slip and fall and dissatisfaction with service.
In these cases, tanning salon insurance will cover legal expenses such as settlements or judgments, attorney fees, and court costs.
Professional Liability Insurance
This coverage is the glue that holds the whole tanning salon insurance package together. While many carriers offer affordable general liability coverage, few offer professional liability insurance for tanning salons. Professional liability insurance specifically covers the services you offer, in addition to tanning.
If you are sued because a client claims they burned in your tanning bed, general liability insurance would not cover that situation. A regular business policy would tell you that you are on your own. That’s because tanning is part of your professional services. However, the professional liability coverage in our policy fixes this problem, giving you total coverage.
Tanning property insurance covers any equipment, such as tanning beds, or build-out you may have. If your equipment is damaged by theft, fire or vandalism, you’re covered. Property coverage is optional.
Remember, just because you haven’t had a claim or would never intentionally do something wrong, you can still get sued. Insurtec is here for you every step of the way to defend you.