The traditional sun tanning salon has moved a long way in the past five years. Gone are the rickety beds that only offer UV tube tanning, most will now offer safer alternatives. But, with the cost of the equipment, there is still a requirement for quality salon insurance.
We receive enquiries from salons that offer all types and ranges of beauty treatments. A new, standing tan machine can you set you back around £10,000. When you think of a shop with up to a dozen machines, the replacement costs can be considerable. Even the spray tanning booths, whilst they are just simple structures, can cost many thousands of pounds.
If you have invested money in purchasing these, or you have them leased, then you will need to have a suitable business insurance policy in place that covers damage to these. You do need to watch out though, many insurers nowadays are offering quotes at a standard level of cover, which does not include accidental damage. The broker, or company quoting, will need to include this cover and some are neglecting to do so, in order to give the cheapest quote.
Here at businessinsure, we always quote AD cover, it only adds 2 or 3% to a premium but it really is essential cover in the modern day and age.
If you have a policy in force at the moment, you need to speak to your broker or provider to see what level of cover you have. If there is no accidental damage cover, our advice is that you get this added as soon as possible.
Something dropped onto a sun bed can cost a lot to repair or leaked tanning solutions can destroy the electronics. This is all related to accidental damage and you really should have this cover in force.