- General Liability Insurance
- Small Business Insurance
- Tanning Salon Insurance
Tanning Salon Insurance Policy Information
Tanning Salon InsuranceTanning salon insurance
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.
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
- Buyers'clubs
- 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.
- Acupuncture
- Barber Hair Dresser
- Beauty Salon
- Chiropractic
- Cosmetology
- Day Spa
- Diet Nutrition Services
- Esthetician
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Tattoo
- 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.
