Tanning salon insurance is designed to protect your business against a variety of risks that could lead to financial loss and claims being made against you. There are many risks associated with the profession that could jeopardise your business and your future ability to trade. Without the right sunbed salon insurance in place, you may be personally liable for any claims that are made against you for damage or injury to a third party.
Your tanning insurance policy can cover a host of eventualities that could otherwise lead to financial loss for you and your business. There are a number of unique risks associated with the trade, meaning insurance is a must for any business owner in this sector.
If you’re running a tanning salon, or even looking for spray tan insurance, then you will no doubt have invested in your equipment, tanning booths, premises, and a number of complementary stock items. These can all be added to your tanning salon insurance, or spray tanning insurance, to ensure that they are protected against a number of unforeseen events. Your property, contents and stock can be safeguarded against fire, flood, theft, storm damage and a number of other perils that could lead to losses.
Business interruption should be considered as part of your policy to protect your income if you suffer damage at your premises meaning you are unable to trade. This could be the lifesaver of your business if you suffer a major incident, as this can cover loss of income and fixed business expenses while you get back on your feet. This could also help you trade temporarily from another location while your premises are restored.
Liability insurance must be a key consideration to protect you if your clients, staff, suppliers and other members of the public make a claim against you. There are a number of eventualities that could lead to claims being made against you. For example, if a customer slipped on a wet floor and sustained an injury they may be entitled to compensation. There is also a chance that a customer may react badly to a lotion you have supplied. Public liability cover as part of your tanning salon insurance can protect your livelihood against potentially large awards for damages and legal costs associated with that claim.
Employers' liability insurance ensures that you are protected against accidents and injuries your staff may suffer during the course of their employment. This will typically be included up to a specified limit and will take care of your legal requirement to protect them.
Commercial legal expenses can safeguard you against a number of other events, for example tax and VAT disputes, employment disputes and compensation awards, as well as allowance for jury service, should you, your business partners or employees be summoned.
All these covers can be tailored to suit your needs and added to one easy to buy policy, catering for all your business insurance requirements.
Tanning salon insurance is typically designed to protect the trading activities of solariums, tanning salons, spray tanning professionals and other tanning salons. It can provide cover for assets and equipment, as well as liabilities, treatment cover and commercial legal expenses.
We arrange sunbed salon insurance and spray tanning insurance from a panel of the UK’s leading insurers to ensure you get the protection you need for your livelihood. Our team of expert advisors are on hand to assist you with your tanning salon insurance requirements, and will support you for the duration of your policy.
If you run or own your own salon, you may be more interested in our comprehensive Beauty Salon Insurance.