Tanner Insurance: Cost & Quotes From $25/mo

Table of contents

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.

General Liability Insurance for Tanners

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. 

Coverage Limits of General Liability Insurance for Tanners

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.

Add-Ons to General Liability Insurance for Tanners

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 for Tanners

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

Coverage Limits of Public Liability Insurance for Tanners

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.

Add-Ons to Public Liability Insurance for Tanners

One essential add-on you need for your business is employee liability coverage which covers any claims that employees may institute against you.

Do I Need Public Liability Insurance?

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.

Compare Cheap Tanner Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Commercial Property Insurance for Tanners

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

Coverage Limits of Commercial Property Insurance for Tanners

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.

Add-Ons to Commercial Property Insurance for Tanners

  • 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

a close up of a piece of leather

Business Owner’s Policy for Tanners

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

Coverage Limits of Business Owner’s Policy for Tanners

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. 

Add-Ons to Business Owner’s Policy for Tanners

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.

What is Entailed in a Business Owner’s Policy?

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.

Tools and Equipment Insurance for Tanners

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

Coverage Limits of Tools and Equipment Insurance for Tanners

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.

What Are Some of the Costs Covered Under the Tools and Equipment Insurance?

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.

Does the Tools and Equipment Insurance Cover Tear and Wear?

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.

Workers’ Compensation Insurance for Tanners

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

Coverage Limits of Workers’ Compensation Insurance for Tanners

The limits can be from $500,000- $1,000,000. As you select a policy, ensure that it fits the needs of the business.

Add-Ons to Workers’ Compensation Insurance for Tanners

  • 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

Is It Necessary to Get the Workers’ Compensation Cover?

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.

How to Claim for a Workers’ Compensation Cover?

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.

Rank and Review Insurance Companies

Help others make better decisions

Show more

Tanner Insurance Cost

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

Compare Cheap Tanner Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Companies for Tanners Insurance

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:

NEXT Tanner Insurance


  • 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

CoverWallet Tanner Insurance


  • 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

The Hartford Tanner Insurance


  •  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

Tivly Tanner Insurance


  • 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

Thimble Tanner Insurance


  • 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

Hiscox Tanner Insurance


  • 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

Recent Reviews

Recent Posts

Additional Business Insurance posts