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)
- 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
- 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.