For example, if you owned a tanning salon and one of your clients fell and broke their leg while walking in the door this would be covered by the bodily injury liability insurance.
Professional liability insurance for tanning salons is designed to provide coverage to professionals for claims arising out of their professional activities or professional services provided to your clients. For example, one of your tanning salon clients is severely burned in one of your beds. This is directly related to your “profession” as a tanning salon operator and would fall under the professional liability insurance aspect of your insurance coverages.
People often call and ask the simple question:
This is obviously an impossible question to answer. Factors like like the following directly impact insurance costs: amount of property your business owns, where you are located, how many clients do you server weekly, do you have any past claims.
General liability insurance can be lumped together in an insurance package that may include your business property. These general liability plans will contain exclusions for professional liability claims. You can see why it is important to have all of these insurance coverages, general liability insurance, professional liability insurance and property insurance.
May pay the affected person or firm for the cost of care, the loss of services and restitution for death that results from an injury.
Insurance for coverage against law suits that your tanning salon in the event that you improperly advise a client and they get injured or burnt while tanning.
In the event your business causes damage to, or causes the loss of use of someone else’s property, property damage coverage may pay for the value of the physical damage to the property; or the loss of use of that property.
A policy may provide coverage for your company’s completed products or services. If an injury occurs due to the use of your products or services provided, the policy would pay for the resulting damages and any legal expenses up to the policy limits.
If a patron leaves their property with you, you are responsible for it. If it is damages, stolen, or lost Care, Custody & Control coverage, or Property of Others coverage will protect you from claims that involve loss or damage of your clients’ belongings.
In the event that a patron’s property is stolen by a staff member, you will need to have crime coverage or an employee dishonesty bond to protect your business from the actions of your staff.
General Liability coverage extends to any liability you may assume by entering into a variety of different types of contracts such as a building lease between you and your landlord.
If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limits, within one year of the accident. For example, if a customer tripped and fell on your premises and had to be hospitalized.
Most General Liability policies provide coverage if your tanning salon operation is accused of: