The indoor tanning industry has expanded massively in recent years. This is because tanning salons are offering a safer, better service than ever before. However this expansion has not been without its share of controversy. As with any industry that involves close contact with complicated electronics, there is a risk of bodily injury when equipment is misused or badly maintained. As a business owner you need to have the right tanning salon insurance.
Basically there are two kinds of tanning salon insurance. One is general liability insurance. General liability insurance is the more or less the same whatever kind of business you have. It covers common injuries or damage that occurs on your property. For example if a client slips on your property and receives an injury as a result, general liability insurance will cover any financial loss that results.
Some tanning salon insurance policies also include fire coverage as part of their general liability policy. Again the fact that your business deals with powerful electric equipment means you need to prepare for every eventuality.
The second kind of tanning salon insurance is professional liability insurance. Professional liability insurance covers any loss that occurs as result of your professional activities or service. For example if one of your employees misused a tanning device and a client was burned as a result, professional liability insurance might cover medical expenses or legal costs.
Generally when a client is injured as a result of professional misconduct, this has disastrous results for the business. Such cases can cost a business millions of dollars and permanently damage its reputation. That is why it is crucial to have professional liability insurance, and it’s also why professional liability insurance premiums tend to be quite high.
While the purpose of tanning salon insurance is to protect your business in case of an accident, it also offers peace of mind. Don’t put your business at risk, contact a good insurance agent today and get the coverage you need.