If you’re proud of the tanning business you’ve worked so hard to build, then you should give it the protection it deserves. And nobody can protect your salon better than Insurtec, Inc.
Believe it or not, there are still some salon owners who don’t have insurance coverage for their businesses. While they might be saving a few dollars, they are at great risk of losing everything they’ve so painstakingly built. All it takes is one unscrupulous person to file suit claiming they were injured at a tanning salon … and it happens quite often, even years after some salon owners retire. Knowing that there are unscrupulous people out there looking to make some money at a salon owner’s expense, the folks at Insurtec, Inc. offer comprehensive coverage designed to protect people like you for a long, long time!
When it comes to providing coverage for your salon, you should look for a policy that goes “outside the limits,” says Chris Beshore, Vice President. “What this means is that in the event a salon owner is sued, our policy not only pays out on the total amount of money it is written for, but also encompasses attorney’s fees and other expenses associated with defending against the lawsuit if the total cost exceeds your policy limits,” he explained. “Insurance policies that pay ‘inside the limits’ only provide the amount the policy is written for, while any expenses above that are incurred by the salon owner. Our ‘outside the limits’ policies are designed to give salon owners the peace of mind that comes from knowing they’re completely protected.”
When considering tanning salon insurance, Insurtec gives this advice – choose “occurrence form” instead of “claims-made” policies. “Lawsuits don’t just happen while you own your business,” said Natalea Hoeper, Customer Service Representative. “Depending on your state’s statute of limitations, former clients can come back years after you’ve retired, sold or closed your salon 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 your business. We were the first to offer this in 1995 and it’s some of the most important coverage a salon owner can have.”
With nearly 20 years’ experience providing insurance coverage to tanning salons, the folks at Insurtec know their business. “There are many benefits to our policies, including zero-liability deductible, equipment breakdown coverage and plans for many spa and beauty services,” Beshore said. “For example, we’re the only insurance company offering coverage for mobile spray-tanning businesses, and it offers the same protection that our tanning policies do. If you’re a tanning salon owner who’s offering mobile sunless tanning or a sunless-only entrepreneur, this is the coverage for you!”
As a salon owner, your whole life is wrapped up in your business, so it makes sense to protect it. For that, you can rely on Insurtec, Inc., an insurance provider that combines experience and innovation to deliver policies designed to protect your business and you. For more information on how this insurance provider can give you the peace of mind that comes from having comprehensive coverage, call 800.606.0621, or visit insurtecinc.com.
