What is Tanning Salons Workers Compensation (class code: 2623)?
Workers' compensation for tanning salons (class code 2623) is a type of employer-mandated insurance that covers medical care and partial wage replacement for employees who are injured or become ill on the job. This coverage addresses workplace injuries specific to salon environments, including slips, burns, repetitive strain, and chemical exposures. Salon operators often combine this with other coverages like commercial liability or property coverage to manage broader risks.
Who needs it
Any tanning salon or business that employs staff — from small single-location operators to larger salon chains — typically needs workers' compensation. Salon owners, managers, and staff who provide services, handle equipment, or maintain facilities are covered under this class code. Businesses that also offer beauty services may review similar options, such as Workers' Compensation for Barber Shops & Beauty Parlors (Class Code 9586), to ensure complete employee protection.
What it typically covers
Standard workers' compensation benefits include:
- Medical treatment for workplace injuries and occupational illnesses
- Partial wage replacement during disability or recovery
- Rehabilitation and return-to-work services
- Death benefits for qualifying fatal workplace incidents
Salons may also address related exposures through supplemental policies, such as equipment coverage for tanning beds, participant accident coverage for client incidents, or commercial auto exposure if staff use company vehicles.
Common exclusions or limitations
Typical exclusions include intentional self-harm, injuries sustained while an employee is not acting within the scope of employment, and some pre-existing conditions. Many policies also limit coverage for non-work-related illnesses. Underwriting factors can result in specific endorsements or limits for chemical handling, UV equipment maintenance, or off-site work.
Factors that influence cost
Premiums are driven by several underwriting factors: payroll size, number of employees, claim history, safety programs, and the mix of services offered (for example, tanning-only versus combined tanning and beauty services). Facility risks such as slippery floors, electrical equipment, and storage of cleaning chemicals will affect rates. Effective risk management — written safety procedures, staff training, and regular equipment maintenance — can reduce costs over time.
Proof of insurance & compliance
Most states require employers to carry workers' compensation and provide proof when requested by regulators, landlords, or clients. Proof is usually a certificate of insurance issued by the carrier. Keep records of payroll, employee classifications, and safety training to support compliance during audits.
How to get a quote
To compare options and get a tailored estimate, gather basic information: number of employees, annual payroll by job role, a brief description of services, and any recent claims. Many salons start by reviewing a dedicated program such as the Tanning Salon Insurance Program for bundled solutions. If you need personalized help, talk to your agent who can match coverage to your operations and discuss available endorsements.
Frequently Asked Questions
Is workers' compensation required for part-time salon employees?
Requirements vary by state, but many states require coverage for both full-time and part-time employees. Check your state's rules and consult your agent for specifics.
Does workers' comp cover customer injuries?
No. Workers' compensation covers employee injuries. Customer injuries are typically addressed under general liability or a dedicated event liability policy.
Can I bundle workers' comp with other salon coverages?
Yes. Many salons bundle workers' comp with general liability, property, and equipment coverage for streamlined management and potentially lower overall premiums.
Still have questions? Talk to a local insurance expert.