For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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.Â
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
