Not All Tanning Insurance Is Created Equal

Premiums can be paid by automatic bank draft on a monthly, quarterly, semi-annual or annual basis.

We accept Mastercard, Visa, Discover and American Express.

An additional insured, such as your landlord, is added to your liability policy so it is also protected if a claim involves the premises you lease. A loss payee, such as the company that leases you tanning-bed equipment, is named on your property coverage so it is paid for its interest in that equipment if it is damaged or destroyed.

We generally recommend limits starting at $300,000 and going up to an aggregate of $3 million, depending on your business. A quote request lets us match the limits to your situation.

Booth renters and independent contractors are not your employees, but they can be insured as though they were. They are covered only for work performed at your business.

The occurrence limit is the most the policy pays for any single claim. The aggregate limit is the most it pays in total for all claims during the policy period.

Professional liability covers claims that your services caused harm, such as a bad result from a treatment or service you provided to a client.

Yes. A chemical burn from a service you perform is covered under professional liability.

No. A waiver card does not stop a client from suing you and does not prevent you from being found liable. Liability insurance is what protects you if that happens.

No. Our tanning coverage has no cancer exclusions.

Coverage is available on a replacement cost basis for your building and contents. Options include business income loss, crime, sign and equipment breakdown coverage.

An umbrella policy protects you against a catastrophic lawsuit by paying above the limit of your general liability or commercial auto liability policy, with limits up to $10,000,000.

Yes, commercial auto insurance is available for vehicles used in your business.