mrsats

Ok, I checked with a number of companies, those that do cover Tanning all seem to put an exclusion of Bodily injury caused by tanning or use of lotions??

They seem to all say the same thing and have the opinion that the waiver the clients sign before they tan, excludes liability anyway

But, is this the norm, wondering what kind of liability could arise from this exclusion, 5 companies, same exclusion??

Neon Beach

I just recieved my renewal info, and it had a bunch of questions I had to fill out. ~shrug~ It's on my desk at home, I'll have to have a look at what they cut out this year and get back to ya.

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mrsats

thanks Neon, they got my attention? and make sure you read the real fine print as that is where I found it... they have all the standard bodily injury coverage stuff, then at the end they inserted a clause that says basically, None of what we just said applies to the use of tanning or lotions.

Neon Beach

Yes, I beleive I saw some mention of the tanning issues being excluded. Every year you pay more, and every year the take out more.

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Neon Beach

Mine says:

"This insurance does not apply to "bodily injury" based upon or alleging the contraction, aggravation oe exacerbation of any sickness, disease, or disorder of the human body including but not limited to:

1) Carcinoma, emphysema, asbestosis or methothelioma;
2) And type of premalignant disease of the skin;
3)And skin disease or sickness due to ingestion of injection of any drug or chemical or due to the application of any drug or chemical to the skin;
4)Any photo sensitive diseaase of known or unknown cause including but not limited to polymorphic light eruption, porphyria and chronic actinic dermatitis

caused by or alleged to have been cause the by ownership, maintenance, use or operation by or on behalf of the insured of any suntanning devices or toning bed devices, suntanning or toning treatment or treatments or related services including advice by or on behalf of the insured.

This exclusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in and sequence to the "bodily injury".

This exclusion does not apply to skin burns, scalp burns or eye burns resulting directly from the exposure to suntanning equipment or related services including advice provided by the insured."

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mrsats

so.... why not just get general biz insurance if all policies are omitting bodily ingury, Tanning insurance = $3200
General Biz = $1100

???????????????????????????????????????? ??????????

Neon Beach

I'm not sure. Mine is $2100.

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SandiGirl

I just renewed mine and if someone were to slip on the mat and ban their head on the bed, I'm covered without the tanning insurance. If they are in the bed and say the canopy falls and breaks a finger, I'm not covered. I'd rather give the customer the money then pay $3200 every year without incidents.

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~I'll try to be nicer if you try to be smarter.~

Neon Beach

You would eh? You think slipping them a $20 will do it?

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SandiGirl

The insurance would just settle anyway even if they were exaggerating. I'd slip them a ruffie, $20 and a pen to sign the 'this deal is final' paper.

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~I'll try to be nicer if you try to be smarter.~