Premises and equipment
Discuss buildings, fit-out, contents, tanning equipment and stock, including leased or financed units.
Describe every salon activity and the equipment used
A tanning salon may offer sunbed sessions, sell products and provide other beauty services. Tell Oak about all activities, whether sunbeds are staffed or otherwise operated, the number and type of units, and the premises arrangements. A generic retail description may not adequately explain the business.
Equipment can be expensive to replace and essential to revenue. Discuss ownership or leasing, replacement values, servicing and electrical inspection records. Property damage, equipment breakdown and interruption may have different triggers; none should be assumed to cover every equipment failure.
Customer liability, products liability and employers' liability need to be considered alongside the salon's operating controls. Insurance does not replace age restrictions, safety obligations or manufacturer instructions. Applicable rules differ across the UK and should be checked for the salon's location.
Compare the wording, not just the premium
Check the accepted salon activities, liability exclusions, leased equipment interests, breakdown wording and interruption basis. Suitable insurance remains subject to insurer acceptance and policy terms.
For more detail, read Tanning Salon Insurance: what UK salons should consider.