Colonial General Insurance Agency, Inc. offers a focused Tanning Salon Insurance program to help agents and brokers place tanning-related businesses across the western United States. The program is designed for standalone UV tanning salons, spray-tanning studios, and salons or spas that include tanning services as part of a broader menu. Colonial General blends access to admitted and excess & surplus markets with underwriting tuned to this niche operation type.
Ideal Accounts and Appetite
This program accepts a broad range of tanning-related operations, including:
- Traditional UV tanning salons
- Spray-on tanning studios and mobile spray services
- Salons, spas, or wellness centers that operate tanning units alongside other services
Typical examples you can place through this program: a boutique California spa that recently added spray tanning and needs general liability plus E&O; or a small multi-location tanning chain in Arizona seeking higher liability limits and equipment coverage. The underwriting is flexible enough for single-location shops and growing multi-unit operations, while limiting accounts with unusually high liability or regulatory concerns.
Coverage Highlights and Advantages
Property coverage is available as mono-line or part of a package and can include:
- Building and business personal property
- Business income and extra expense protection
- Equipment breakdown
- Computer equipment and valuable papers
- Accounts receivable
- Outside signs
- Coverage on Basic, Broad, or Special forms
- Replacement Cost or Actual Cash Value options
Commercial General Liability features commonly available through the program:
- Primary limits up to $3,000,000 occurrence/aggregate
- Errors & Omissions (E&O) coverage to full policy limits
- $5,000 Medical Payments included
- Hired and Non-Owned Auto liability available
- Excess or Umbrella limits up to $25,000,000
- No deductible required on some products
- Additional interests automatically included
Crime coverage options include protection for:
- Theft of money and securities on-premises
- Robbery or safe burglary of other property
- Theft and other losses while funds are outside the premises
Underwriting Notes and Minimum Premiums
Colonial General evaluates tanning risks with attention to equipment condition, safety procedures, client screening, staff training, and whether services include mobile spray operations. Accounts with well-documented safety programs, routine equipment maintenance, and clear client consent procedures typically receive more favorable terms. Minimum premiums vary by carrier and state; accounts are evaluated individually and packages can be tailored to the account size and exposures.
Territories and Availability
This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage may be placed through admitted markets where available or through non-admitted (E&S) markets depending on the state and specific risk characteristics.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings niche expertise in personal and commercial specialty lines across the western U.S. Agents benefit from:
- Access to a variety of admitted and E&S carriers for tanning risks
- Underwriting that understands tanning-specific exposures (equipment, professional services, client procedures)
- Flexible mono-line or package options to match client needs
- Responsive service and assistance placing accounts quickly
Whether you need a single mono-line property policy or a higher-limit liability package with E&O and crime, Colonial General can help you find a market and structure a policy for your tanning salon clients.
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 important for professional tanning services such as spray tanning or consultation-based treatments.
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. You can place mono-line property or liability policies, or combine coverages into a tailored package depending on the account.
Does the program include coverage for equipment breakdown?
Yes, equipment breakdown coverage is available as part of the property options to protect tanning machines and related equipment.
Need help placing an account? Connect with a market specialist.