You folks have been a great help....Thanks for all the informative input...I welcome any other advise on this subject..I will certainly continue to use Tan Talk as an exceptional learning tool...Thanks again! Quote:Originally posted by Fred:ParkcitykidFirst, from what I remember from seminars at Tanning Trade Shows (there's one in Las Vegas in July - you should attend):No one has ever successfully won a cancer case against a Tanning Salon.But, you need the proper
insurance coverage for it. Can you afford the costs of defending yourself against such charges. If you have the right kind of
insurance, the
insurance company covers the costs, and they pay if you loose.There are 2 types of
insurance; Premises
Liability, and Professional
Liability.Premises
Liability is the slips, the falls, sombody breaks your window, etc.Professional
Liability protects you from the cancer, burn, etc. cases.There are 2 types of coverage (I don't remember their exact names).I hope I can do a clear expanation of this.One type covers you only while you have the
insurance. If someone sues you over something that happened last year, while covered by a different company, who's going to cover it???NOT YOUR CURRENT COMPANY, you weren't covered by them at the time of the incident.NOT THE COMPANY YOU HAD LAST YEAR, coverage expired when policy expired or you changed companies.SO, YOU'RE NOT COVERED!!!With the second coverage type you're covered forever.You've sold the Salon 5 years ago. You're retired in Las Vegas. You quit paying
insurance premiums when you sold the Salon. Somebody sues you claiming that tanning at your Salon 10 years ago caused them to get cancer.YOU'RE COVERED!!!!!Like I said, I don't remember the names of the different coverages. And the second type costs a little more, but it's worth the cost.Check with an
Insurance Agent.Not just any
Insurance Agent (been there, done that).Not with the guy who insures your house & car (he don't have a clue to what you're talking about).Check with one that specializes in Tanning Salons. They will not only know what they're talking about. It will save you money and headaches.Hope this helps,Fred