Tanning Salon Insurance UK

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A tanning salon insurance policy covering the owner of a tanning salon is vital for financial protection against events and situations out of their control. This makes it possible to operate the small business with the peace of mind that legal hassles and associated items will be taken care of.

The cost of  tanning salon insurance differs from one salon to the next. The cost depends on several factors, such as location of the business, level of coverage, safety measures in place, type of services offered and type of building in which it’s located.

tanning salon

Treatment risks

To help reduce and even prevent unwanted claims, the client should read and sign a waiver on the inherent dangers of being exposed to UV rays before any procedure starts.

Building and property insurance

This cover includes the brick and mortar establishment from fire, flooding and damage from accidental damage and vandalism.

Public liability insurance for Tanning Salons

Public liability cover is for protection if any accidents occur to a patron causing them an injury while on your property. This coverage handles the legal and medical  fees along with any type of settlement.

Professional liability insurance

A policy covering UV tanning procedure is very important and will financially protect the owner against any possibility of a lawsuit or claims due to the following;

  • Burns occurred during the tanning procedure.
  • Cancer reports by a client blaming the tanning shop.
  • Irritation to the skin due to the cleanliness of the tanning bed.
  • Client unhappy with the results for any reason.
  • Improper timer set on the tanning process.
  • Incomplete tanning due to the fault of the client

Personal liability insurance

This is also what the owner and employees should have to financially protect themselves. This coverage includes accidental events between the employee or owner and clients that can include the following;

  • Disagreements over the treatment either in the results or charges for the services.
  • Due to the need of some clients to disrobe, the chances of sexual harassment increase and should be covered in the policy.
  • If an accident occurs during contact of an employee and a client and the client is injured or distressed.

Employers liability insurance

Employers liability insurance is required by UK law for any business that has paid employees working for them. This covers the medical and any possible legal fees if an employee is injured or becomes ill while performing their duties at work.

Many tanning establishments also offer spray tanning procedures as an option for their clients. If your establishment does, then this area of your business should either be included in your tanning salon insurance policy or have a separate one just for it.

By having the correct type of tanning salon insurance, a tanning shop owner can rest assured their business will continue no matter the type or size of claim are filed against them for any reason.

In a single year, the more than 2,000 beauty establishments in the UK serve nearly one million customers. To reduce the risk of closing your profitable business from any lawsuit you should be protecting your small business with the correct type of insurance. Talk with your insurance broker today about getting a policy the provides the right level of protection your business can soon be protected.

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