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Tanning Salon Insurance

Tanning salon insurance is a type of business insurance that offers financial protection to tanning salon owners. It covers liability risks associated with the tanning industry, such as customer injury or property damage caused by sunlamps or tanning beds. It also covers other risks such as fire, theft, and employee injuries. Tanning salon insurance can help protect the financial health of your business and could save you from paying hefty fines or legal fees if something does go wrong.

Who Needs Tanning Salon Insurance?

Any business operating a tanning salon, whether it is a stand-alone facility or part of a larger spa, should obtain tanning salon insurance. The coverage provides protection from financial losses caused by a variety of risks, including customer injury, fire, theft and property damage. Tanning salon owners should also consider purchasing professional liability insurance to cover lawsuits arising from customer claims of negligence or malpractice.

Types of Insurance for Tanning Salons

There are several types of insurance that travel agencies should consider. These include:

1. General Liability Insurance: This type of insurance covers your business against third-party claims of bodily injury, property damage, and personal and advertising injury. 

2. Professional Liability Insurance: Professional liability insurance, also known as Errors and Omissions insurance, covers your business against claims of negligence, errors, and omissions. 

3. Business Property Insurance: This type of insurance covers your business property against damage or destruction due to events like fire, theft, vandalism, and natural disasters. 

4. Business Interruption Insurance: Business interruption insurance covers your business’s income if you have to close temporarily due to a covered incident like a fire. 

5. Workers’ Compensation Insurance: This type of insurance covers the medical costs of employees who are injured on the job. 

6. Product Liability Insurance: Product liability insurance covers your business against claims of harm resulting from the use of a product you sold or manufactured.

How Much Does Tanning Salon Insurance Cost?

The cost of tanning salon insurance can vary greatly depending on the type of insurance coverage you choose, the size and scope of your business, and the location. Generally, you can expect to pay anywhere from $500 to $5,000 per year for tanning salon insurance.

Tanning Salon Insurance Risks and Exposures

Tanning salon owners face a variety of risks and exposures. These include:

1. Equipment: Tanning salons are responsible for maintaining their equipment, as faulty equipment can lead to serious injuries. The salon must also carry general liability insurance to protect against any claims of property damage or bodily injury resulting from the operation of their equipment. 

2. Staff: Tanning salons must ensure that their staff is properly trained to operate the equipment and effectively communicate with customers. The salon must also have a comprehensive employee liability policy to protect against any claims of negligence or misconduct. 

3. Customers: Tanning salons must ensure that their customers are aware of the risks associated with tanning and that they are operating the equipment safely and responsibly. The salon must also carry professional liability insurance to protect against any claims of malpractice or negligence. 

4. Fire: Tanning salons must ensure that their premises are up to code and that they have adequate fire safety measures in place. The salon must also have fire liability insurance to cover any damages in the event of a fire. 

5. Theft: Tanning salons must have adequate security measures in place to protect against theft of equipment and/or customer property. The salon must also have a comprehensive commercial crime insurance policy to protect against any losses due to theft.

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

Tanning Salon Insurance – The Bottom Line 

Tanning salon insurance is important for any business that offers tanning services. It allows salon owners to protect their business and their customers from potential liability claims. The coverage offered by tanning salon insurance varies from policy to policy, but typically includes protection for property damage, personal injury, and employees. Additionally, some policies may include coverage for advertising injury, professional liability, and product liability. With the right policy, salon owners can rest assured that they are fully protected.

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