Colonial General Insurance Agency, Inc. offers a specialized Tanning Salon Insurance program designed to help agents and brokers place business for tanning salons across the western United States. This program is well-suited for standalone tanning salons, businesses offering spray tanning services, and other tanning operations integrated with spas, wellness centers, or beauty salons.
Ideal Accounts and Appetite
This program targets a wide range of tanning-related businesses, including:
- Traditional UV tanning salons
- Spray-on tanning studios
- Salons or spas with tanning units as part of a broader service menu
You might have a client operating a boutique spa in California that recently added spray tanning, or a small chain of tanning salons in Arizona looking for better liability protection. This program is flexible enough to accommodate both types of accounts.
Coverage Highlights and Advantages
Property coverage is available on a mono-line or package basis and can include:
- Building and business personal property
- Business income protection
- Equipment breakdown
- Computer equipment and valuable papers
- Accounts receivable
- Outside signs
- Coverage on a Basic, Broad, or Special form basis
- Replacement Cost or Actual Cash Value options
Commercial General Liability coverage includes:
- Primary limits up to $3,000,000 occurrence/aggregate
- Errors and Omissions (E&O) coverage to full policy limits
- $5,000 Medical Payments included
- Hired and Non-Owned Auto liability
- Excess or Umbrella limits available up to $25,000,000
- No deductible required
- Additional interests automatically included
Crime coverage is also available for:
- Theft of money and securities inside the premises
- Robbery or safe burglary of other property
- Theft and other losses outside the premises
Underwriting Notes and Minimum Premiums
Colonial General underwrites with flexibility, focusing on the unique exposures of tanning operations. While minimum premiums vary by carrier and account size, this program is designed to be competitive for both small shops and growing multi-location salons. Accounts are evaluated individually, and packages can be tailored accordingly.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage is offered through a mix of admitted and non-admitted markets, depending on the specific risk and state requirements.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche personal and commercial lines, including tanning salons. With access to a variety of carriers and underwriting experience in the western U.S., they can help you find the right solution for your client’s unique operations. Their responsiveness and program knowledge make them a valuable partner for placing tanning salon accounts quickly and effectively.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for standalone tanning salons, spray tanning studios, and salons or spas that offer tanning services as part of a broader menu.
Is Errors and Omissions (E&O) coverage included?
Yes, E&O coverage is included up to the policy limits, which is especially important for professional tanning services.
What states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are mono-line property or liability policies available?
Yes, both mono-line and package options are available, depending on your client’s needs.
Does the program include coverage for equipment breakdown?
Yes, equipment breakdown coverage is available as part of the property coverage options.
Need help placing an account? Connect with a market specialist.