Tanning Salon Insurance

Tanning Salon Insurance

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If you own a tanning salon, you will naturally want to protect your business against risks. For all your careful planning, unexpected events and accidents can cause all sorts of problems, which is why a good insurance policy is vital.

At Brisco Business, we specialise in helping businesses source high quality, bespoke protection for their businesses. Whether you’re looking to protect against damages, insure your property, or cover staff injuries, we can assist you in your search for a comprehensive tanning salon that mitigates your key risks.

Compare quotes for tanning salon insurance and many other types of Shop Insurance with Brisco Business now and find a policy with covers to meet your needs.

Brisco stands as the superior alternative to Tanning Salon Insurance brokers for your insurance needs. Our advanced platform allows you to effortlessly compare quotes from top insurers, ensuring you find the best coverage at competitive rates. Enjoy the benefits of a hassle-free insurance shopping experience with Brisco.

We partner with some of the UK’s most trusted tanning salon providers, so that you can compare insurance quotes and choose the options that suit you best.

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I’ve just opened a tanning salon. Won’t my existing freelance insurance cover it?

No. Freelance insurance protects you for business risks such as public liability while working mobile. You’ll need a policy to protect your stock, contents, and slips and trips in your premises when you operate from a salon.

What if I do work beyond the salon?

You may have to take out additional cover to protect you if you’re doing work at a client’s home or premises. For example, if you cause damage to their property, you may have to pay compensation.

What should I do if I need to make a claim?

Speed is of the essence. Notify your insurer immediately. The more they know and the quicker you get the ball rolling, the easier it will be for them to assist you.

I’m on a budget can I reduce my premium?

Yes, but while many people limit the amount of coverage they take out, this can leave you exposed to additional costs. The best way is to shop around. The market is highly competitive and you can use that to your advantage. This is where Brisco Business comes into its own. We can help you search the market and find the best and most affordable options for your requirements.

Do you need insurance to spray tan?

In the UK, professional spray tanning services require proper insurance for protection against potential claims from accidents, injuries, or damages. This should typically include treatment risk coverage for adverse reactions to the tanning solution. It’s crucial to consult a professional insurance advisor for the most suitable coverage for your specific needs.

What insurance do sunbed salons need?

Owners of sunbed salons in the UK should consider several types of insurance to protect their business. The right insurance policy can safeguard against unexpected situations and potential claims that could arise.

  • Public Liability Insurance: This is crucial for businesses that interact with the public, such as sunbed salons. It provides coverage if a client or member of the public suffers an injury or property damage because of your business activities and decides to launch legal action. For instance, if a customer were to trip over a cable in your salon and injure themselves, this insurance would cover legal costs and potential compensation payouts.
  • Employer’s Liability Insurance: In the UK, if you employ staff, you are legally required to have employer’s liability insurance. This covers you if an employee becomes ill or suffers an injury as a result of working for you. For example, if an employee developed a skin condition due to exposure to the sunbeds, they might make a claim against you.
  • Product Liability Insurance: If you sell products such as tanning lotions or creams for treatments, this type of insurance is important. It protects against claims of personal injury or property damage caused by a product sold or supplied through your business.
  • Professional Indemnity Insurance: This can protect you if a client claims that poor advice you gave led to their injury or financial loss. For example, if a client felt that they had been inadequately advised about the risks of using a sunbed and subsequently developed a skin condition, they could potentially sue your business.
  • Commercial Property Insurance: This protects the physical assets of your business, such as your premises, equipment, furniture, and stock. For instance, it can cover damage to your sunbeds caused by events like fire, flood, or theft.
  • Business Interruption Insurance: If an unexpected event means you can’t carry out your usual business operations (such as a fire damaging your premises), this insurance covers the loss of income during the period your business is unable to operate.

These are the primary types of insurance a sunbed salon in the UK should consider. Each business is unique, so the specific coverage needed might vary. It’s always a good idea to speak with an insurance broker or adviser who can provide tailored advice based on your business’ specific needs and risks.

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