Tanning can be a fulfilling job. It involves following various steps to produce the leather that can be made into carpets or clothing. Before tanning, you may need to go through processes such as bating, degreasing, bleaching, and splitting. After this, you need to cure the hides to prevent bacterial growth. All these processes and steps generate a lot of risk to your health and damage to your property. Therefore, it is essential to get tanner insurance cover to help mitigate these risks.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
You can protect your tanning company from lawsuits arising from accidents such as bodily injury, advertising injuries, legal claims, and contractual liability. General liability insurance generally covers the injuries that you occasion to third parties. This tanner insurance will help you save money that you may accrue due to accidents occasioned at your shop by third parties.
The insurer usually limits how much money they can cover you after an accident occurs. The coverage limits differ depending on the insurance type and the insurer. However, the coverage limits generally range from $1,000,000- $5,000,000.
You may have some add-ons to your insurance. It would be best to have these add-ons to increase the insurance coverage. Add-ons to this leatherworker insurance are:
Cyber liability insurance covers any loss due to factors such as data breaches, cyber-attacks, and other technology-related risks.
Professional liability insurance that protects you as a professional from claims due t negligence, missed deadlines, violation of fair dealing, and other related perils
Public liability insurance generally covers claims of the public or third parties. These claims could be due to the following:
Death of third parties
Injuries to third parties
Property damage to a third party
The coverage limits vary from $1,000,000-3,000,000. It is essential to gauge your risk and get a cover that fits your tanning business.
One essential add-on you need for your business is employee liability coverage which covers any claims that employees may institute against you.
In your tanning company, you will encounter a lot of customers. Most will benefit your company, but a few may try to bring it down by instituting cases against your firm. A public liability insurance cover is necessary to avoid losses accruing from such claims, which may even be malicious at times.
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| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $340,000 | $25,000/$500,000 | $35,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $35,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Your tanning business has some buildings and inventory subject to certain risks, and you must cover them. Commercial property insurance protects your property against the following perils:
Theft
Earthquake
Vandalism
Fire
Natural disasters
The coverage limit for commercial property insurance covers is unique. Usually, they depend on the value of the property covered. Therefore, the insurance will cover the total amount of the property destroyed.
Business interruption insurance–The insurance coverage covers you when you are not operating your business due to accidents occasioning the business. It covers the loss of money occasioned due to the business closing down.
Equipment breakdown insurance–It is a cover that can help cover any damage to your tanning equipment
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| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $35,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner's policy is a particular type of insurance that is a combination of commercial property insurance and general liability insurance. Usually, getting a BOP is cheaper than getting the two policies separately. With a BOP, you can claim for losses happening due to the following;
Fire
Theft
Natural disasters
Claims of property damage and injury
A Business owner policy has a coverage limit of between $1,000,000- $2,000,000 for liability coverage. Property coverage, on the other hand, is $25,000-$50,000.
An add-on you can have for this policy is business interruption insurance. It covers any losses you incur when you are not operating your business due to an accident or damage to property.
It typically covers what general liability insurance and commercial property insurance cover. Therefore, it covers liabilities arising from claims, lawsuits, and any losses to your buildings, inventory, and equipment. It is a comprehensive type of leather insurance.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
You can get a tools and equipment insurance cover designed to help tanners cover their equipment. The cover protects your equipment from perils such as;
Theft
Loss
Damage
The tools and equipment insurance coverage limits range from $200,000-$1,000,000. Ensure you ask the limit to which you are being covered before you get an insurance cover.
Tools and equipment insurance covers the costs of replacing the tools. Also, it can cover the costs of the lost income you incur due to the tool being in bad condition. Finally, it can cater to the costs of repairing the tools and restoring them to usable conditions.
Please note that this cover does not cover tear and wear. Also, five years or older items may not be covered under the insurance. Other items that the insurance may fail to cover include vehicles and expensive items. You need to check your policy if there are any other exclusions to the tools and equipment insurance.
The tanning business is a risky venture. Your employees may be exposed to dangerous chemicals which may harm them, and as a result, you may suffer economic losses. Having workers' compensation insurance can help cater to the following things;
Lost wages
Death benefits
Medical costs
Rehabilitation costs
The limits can be from $500,000- $1,000,000. As you select a policy, ensure that it fits the needs of the business.
Employer’s liability insurance covering any legal claims that employees may institute against your business. Remember that employees can sue your business for negligence or any acts they believe have caused them harm in the business
Since tanning is high risk business you need this cover to prevent losses to your business. Most states require all business with hired employees to have this type of policy. It will offer your employees benefits if any accident happens in the workplace.
You need to instruct your employee to fill in the appropriate paperwork provided by the insurance company. After the paperwork is duly filed, file the claim with the insurance company. Also, look into the state law on how you should report work injuries and ensure you comply with it.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $39 | $468 | $0-$500 |
| Public liability insurance | $44 | $528 | $500-$1,000 |
| Commercial property insurance | $87 | $1,044 | $1,000-$2,000 |
| Business owner's policy | $126 | $1,512 | $1,500 |
| Tools and equipment insurance | $46 | $552 | $500-$1,000 |
| Workers compensation insurance | $130 | $1,560 | $1,000-$2,000 |
The average tanner insurance cost is $39 per month or $468 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, and annual revenues. The table below shows how much the best companies charge for a $1 million general liability insurance:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for tanners |
| CoverWallet | $29 | $348 | Best overall; Fastest general liability insurance for tanners |
| The Hartford | $34 | $408 | Fast claims process |
| Tivly | $37 | $444 | Comparing tanner insurance quotes over the phone |
| Thimble | $41 | $492 | Short-term coverage for tanners |
| Hiscox | $43 | $516 | Tanner insurance with automatic policy renewal |
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There are multiple insurance providers available in the market. You must be vigilant to check whether a provider is licensed or not. You also need to check their credibility by checking customer reviews and general reputation. Here is the best tanning shop insurance companies:
Easy online signups that you can do within minutes
Has good discounts, which go up to 10% for bundled policies
Also, it allows you to access your digital certificate easily through the online services they provide
Couldn’t find any
NEXT is independent, and most of its policies are available digitally. Their policies are flexible and can adapt to different sectors, including the tanning industry. They only need to know your industry, and they will customize their policies to fit your needs.
Best for: Best overall; Fastest general liability insurance for tanners
Average cost: $25 per month
Our rating: 10/10
Its platform is easy to use
Compare quotes online for free
It saves and ensures that your policy information is well organized
Not an insurance company but an insurance broker
CoverWallet is relatively new, as it was founded in 2015. It partners with many insurance agencies. When you feel an application form, Coverwallet forwards it to the different agencies, giving you a report after that. They allow their customers to view and see the different statements offered by the different insurance agencies.
Best for: Comparing tanner insurance quotes online
Average cost: $29 per month
Our rating: 10/10
It is versatile as it offers many different insurance products
Their auto insurance cover has many benefits attractive to a potential customer
A renowned company for workers comp insurance
There are many customer complaints regarding their auto insurance coverage
The Hartford partners with AARP. This partnership allows the company to offer different and good perks to the AARP members. Nonetheless, non-members can avail this company’s business insurance policies. In fact, it can create specialized solutions for high-risk tanning businesses.
Best for: Fast claims process
Average cost: $34 per month
Our rating: 10/10
Dedicated to educating through free resources and articles
Processes easy quotes, which you can obtain online in a digital form
Gives a wide variety of coverages
They offer policies that can be customized to fit the needs of your tanning business
It only matches you to good agencies and is not an insurance provider itself
Tivly is skilled and usually helps tanning businesses get the best insurance company to fit their needs. With Tivly, you can eliminate the hassle of obtaining quotes from different insurance companies. It will give you quotes that are easier to gauge, making it work easier for you to get the best policy for your business. Call now to compare quotes over the phone.
Best for: Comparing tanner insurance quotes over the phone
Average cost: $37 per month
Our rating: 8/10
Has many policies appropriate for small businesses
Their quote process is fast
Their policies are considered expensive
Thimble is an insurance company that sells a very intuitive general liability policy. It can be added with cyber liability, HNOA, and customer property coverage. Moreover, the general liability policy of this company can be bought as a short-term coverage that last for hours, weeks, days, or months.
Best for: Short-term coverage for tanners
Average cost: $41 per month
Our rating: 9/10
It is an online platform where you can quickly access purchase policies and quotes.
Gives a discount of about 5%
It has a unique professional liability cover that can cover you no matter where you are in the world.
Online quoting not available all the time due to periodic site maintenance
Hiscox is a company that has been in the market for a long time. Its policies are not bought from them directly but only through insurance agents, and Geico Small businesses mainly trust its policies.
Best for: Tanner insurance with automatic policy renewal
Average cost: $43 per month
Our rating: 8/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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