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What is tanning salon insurance?
If you run a tanning salon or sunbed shop, having the right insurance in place to protect your business is essential. Tanning salon insurance or spray tan insurance protects you financially if anything goes wrong.
It’s not always a nice thing to think about, but by getting your insurance in place, you can relax and get on with running your business with the peace of mind that you won’t be left out of pocket if the worst happens.
Why get tanning salon insurance?
As with any business, the unexpected can happen from time to time. Your tanning salon or mobile spray tanning salon might be flooded, for example, damaging your sunbeds and meaning that you can’t trade. You might be burgled, or your premises vandalised or damaged by fire.
All these circumstances, which although hopefully rare, could leave you facing huge costs if you don’t have the right insurance in place. Having specialist tanning salon insurance in place means you’ll quickly be able to get back on your feet if your businesses suffer losses like these.
Types of insurance for tanning salons
Sunbed salon insurance is available for many different types of risk. Here are the main types to consider for your tanning salon.
- Employers’ liability insurance
By law, if you have any members of staff working in your tanning salon you need to make sure you have employer liability insurance in place. This protects you financially if an employee or someone who used to work for you brings a claim against you.
Examples of where this type of cover is useful are if an employee claims they have been injured at work, and compensation is ordered.
- Public liability cover for tanning salons
It’s not just your staff you have to protect. Customers are the bread and butter of tanning salons, and even in well-run businesses, things do still go wrong. Public liability protects you from claims made by a member of the public, so if someone claims they or their property was damaged on your premises, then you will be covered against any losses.
This covers not just injuries from your tanning equipment or aftercare products, but accidents too. For example, if someone bumped their head on furniture while getting changed, or slipped on a wet floor, this type of policy would cover you.
Other types of insurance coverage available
There’s a range of other covers you can bolt onto your policy. What you need depends on your circumstances, the size of your business, and your budget.
Business interruption cover
This pays out if you’re unable to trade for any reason. For example, if you need to make good damage to your property or equipment, this cover protects you.
Contents and sunbed equipment cover
Replacing your tanning beds, tanning booths or other equipment can be a huge expense. This policy protects you if you need to repair or replace equipment (although does not usually cover normal wear and tear).
Legal expenses cover
If you need to defend a claim made against your tanning salon business, legal expenses cover provides for any legal costs you incur.