Insurance for Tanning Salons

Tanning Salons will receive free proposals for insurance through our agency.  Combination businesses like beauty salons that have tanning beds are also easy to insure.  Liability and Property insurance is available from insurance companies specializing in the tanning industry.  Key features available with some insurance companies are:                      Proposal Form Located Below

  • Liability can be written with or without property coverage

  • A general personal injury waiver form must be used and kept on file

  • Premium payment can be made by MasterCard, Visa, Discover & checks

  • Premium financing is available if needed

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    What Does Professional Liability Mean?

    Professional Liability is the liability you carry because of your professional expertise.  This would include the advice you give clients and the services you provide.  For example, if a person was burned or injured in your tanning bed because they relied on your expertise, and all equipment performs properly, you may be liable for damages.

    Always insist that your insurance coverage specifically provides Professional Liability Insurance for tanning as a separate coverage part integrated into the liability insurance package. NOTE:  General Liability policies do NOT automatically include professional liability coverage!  Be certain to ask for it.

    For a NO-OBLIGATION proposal, complete the short form below.

    Normally, your proposal is available within 24 hours of receiving all necessary information about your salon business.  Please complete all areas.  It will be worth your time!

    Salon Company Name  
    You Operate As A:  
    How Long In Business  
    Mailing Address  
    City  
    State    Zip Code
    Your Name  
    Email Address  
    Phone Number  
    Do You...  
    Tanning/Toning Beds located in  
    Premises Liability Limit Wanted  
    Professional Liability Limit Wanted  
    Number of Tanning Units  
    Number/Types of Tanning Units  Bed TypeStanding
    Describe Other Services Offered  
    Optional Coverage:  complete only if coverage is to be included with your tanning/toning liability  Beauticians  Manicurists

     Masseuse (must be certified)

    Indicate the number of each kind of Beauticians, Manicurists & Masseuse (for example: Beauticians=2)

     
    Body Wraps Done?  
    If so, Type of Wrap  

    PROPERTY COVERAGES
    Property Deductible Wanted  
    Value of Building (if to be insured)  
    Value of Contents (replacement)   See Note Below

    Note: The figure used for value of contents should be the amount it would take to REPLACE everything in your office at current market prices.  If your business burned to the ground, what amount of money would it take to totally replace the contents?
    Total Annual Sales Estimate  
    Construction Type of Building  
    Building Built in Year  
    If Building is over 20 yrs, age of roofing  
    Total Square Footage You Occupy  
    What kind of businesses are to your left & right  LeftRight
    Check all that apply  Alarm System Sprinklers
       Dead Bolt Door Locks
    Number of Fire Extinguishers  
    Maximum Cash on Premises  
    Frequency of Deposits?  
    Do you own or lease your tanning equipment?  
    If you completed a certification program give the date & name  
    Are you currently covered elsewhere?  
    If covered now, what is the name of your current insurance company?  
    When does your current policy expire?  
    Have you had any previous losses, whether insured or not?  If so please describe & give amounts paid  
    List the name and address of anyone who needs to be listed as an additional insured on your policy (such as a landlord)  
    Enter fax number if you would like rather have a short application faxed to you immediately.  
     

     

    Turner & Hamrick, LLC   P.O. Box 985  Troy, AL 36081

    440 U.S. Hwy 231  Troy, Alabama 36081

    Phone: (334) 566-7665   Fax: (334) 566-7215