GMA writes Insurance for Tanning Beds and Booths with CapSpecialty

  • Simple "Each Unit" Premium Basis
  • No exclusion for sexual abuse or molestation
  • Low Minimum Premiums
  • Monoline or BOP

Application: ACORD and pdf Tanning Questionnaire (424 KB)

Product Overview

  • Coverage is available for UV tanning beds or spray tan booths as part of a tanning salon or incidental to other operations.
  • Premium basis is number of units.
  • Ideal Risks place strong emphasis on customer education
  • State mandated signage should be visible from all rooms with tanning devices
  • Clients should be informed on the risks associated with tanning
  • Clients required to sign an informed consent and waiver of liability
  • Clients should undergo an evaluation to determine skin type and proposed schedule of exposure
  • Clients with Skin Type 1 should not be allowed to use UV units

Coverage Highlights

  • Professional Liability included at no additional cost
  • no exclusion for sexual abuse or molestation


  • Facilities that do not hold the appropriate license or registration if required by state law
  • Not operating in compliance with all current applicable federal, state and local jurisdiction standards, laws and regulations governing indoor tanning devices
  • National or regional franchises
  • Exposure times that are not controlled by employees
  • Exposure times not limited to the manufacturer’s recommendations
  • Allowing minors under 18 years of age to tan
  • Not having a trained staff member available at all times clients are tanning
  • Offering unlimited tanning packages
  • Not disinfecting beds and protective eyewear after each use
  • Using non-compatible replacement bulbs, as defined by the FDA or state regulatory office
  • UV units that
    • do not have a visible FDA-mandated black box warning that the sunlamp product should not be used on persons under the age of 18 years;
    • are not UL listed; and
    • do not have automatic shut-offs.
  • Advertisements and/or written or verbal statements that state indoor tanning is safe, without risk and/or results in health benefits
  • Risks that do not require customers to:
    • Sign an informed consent agreement prior to the initial session and annually thereafter; and
    • Use FDA-compliant eye protection.
  • Risks that do not maintain records on all customers that include:
    • The client’s signed informed consent agreements and waivers of liability; and
    • Dates and exposure times of each tanning session.



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