Salon owners shopping for insurance coverage can trust that the folks at Insurtec, Inc. will keep them fully protected.
While there are more salon owners looking for insurance policies, there are fewer options for this type of coverage. Unfortunately, this has caused some non-tanning insurance companies to offer policies claiming to protect salon owners, but their coverage doesn’t meet the specialized needs of a tanning salon. After all, any unscrupulous person can file suit claiming they were injured at a tanning salon, and it happens quite often. The insurance experts at Insurtec want to let salon owners know exactly what they should be looking for when it comes to finding comprehensive coverage that will protect them during their years as tanning professionals and long after that, as well.
If your salon insurance policy has a “cancer exclusion” then it’s not a tanning salon policy, says Chris Beshore, Insurtec Vice President. “Unfortunately, we live in a world where people try to sue businesses at every opportunity,” Beshore added. “It’s not inconceivable that someone could develop skin cancer and attempt to sue a tanning salon over it regardless of how few times they’ve actually tanned, and how much time they’ve spent outdoors.” With a cancer exclusion in their insurance policy, a salon owner could find themselves in a difficult situation if this were to happen. Cancer exclusions typically go hand-in-hand with burn exclusions, which exclude protection in case a tanner develops sunburn after a salon session. “You don’t want either in a tanning policy,” he added.
Whether a salon is UV-only or includes spa services, its owner needs a policy that offers professional liability, which helps protect the professional advice and service provided by salon pros. “Professional liability,” Beshore said, “is different from general liability in that it extends coverage past the typical general claims that any business, regardless of specialty, might encounter. Without it, tanning salons would have no coverage for the services they offer.” This type of coverage is just one of many benefits to Insurtec’s policies, which also includes zero-liability deductive and optional equipment breakdown coverage. The company is one of the only ones that offer coverage for mobile spray-tanning businesses. Beshore added that having clients sign a waiver does not protect a salon owner from being sued, and Insurtec’s policies pay defense costs.
“Occurrence-form” policies are something that every salon owner should look for when choosing insurance coverage. “Depending on your state’s statute of limitations,” Beshore said, “former clients can come back years after you’ve retired, sold or closed your business to file lawsuits alleging injuries. Our occurrence form coverage protects you against any claims made during the time your salon was covered, even if you no longer operate the business.” In 1995, Insurtec became the first provider to offer occurrence-form coverage.
As a salon owner, your whole life is wrapped up in your business, so it makes sense to protect it. With nearly 20 years’ experience providing insurance coverage to tanning salons, the folks at Insurtec combine experience and innovation to deliver policies designed to protect your business and you. For more information on how Team Insurtec can give you the peace of mind that comes from having comprehensive coverage, call 800.606.0621, or visit insurtecinc.com.
A 14-year industry veteran, John "Ribby" Ribner has written hundreds of
articles for IST Magazine and, as Director of Editorial Content, has also
helped guide the publication's evolution. Ribby is a graduate of Central
Michigan University's journalism program and has brought many years of newspaper reporting experience to his position of Head Writer. He is also the author of three novels, "Legacy of the Bear," "Prophecy of the Bear" and "World So Dark."
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