We provide instant quotes and cover for shop insurance for solariums with low cost retailers insurance from leading UK insurers and providers in less than two minutes.
What is solarium insurance?
The solarium insurance policy is in many ways similar to a standard shop insurance policy, providing a wide range of covers under one policy that is designed to meet the insurance requirements of most businesses.
Public Liability Insurance for Sunbeds
The significant difference between the standard shop policy and the solarium insurance product is in the public liability insurance cover. In view of the, still somewhat unknown risks, associated with the use of sunbeds most insurers will not offer cover in respect of personal injury arising from use of the sunbed. This is obviously a most important aspect of cover but few insurers offer it.
When it is available it is under strict policy conditions as to the management of the salon and the use of the sunbeds and the limit of indemnity under the policy may be restricted in connection with claims arising from sunbed use. For instance the standard policy limit for public liability insurance may be £2M but the insurers maximum limit in respect of sunbeds may be £250,000.
Furthermore the policy may be issued on a claims made basis, this means that the policy only responds to claims made whilst the policy is in force. More information may be found on our claims made vs claims occurring page.
Shop insurance package policies provide you with a range of covers designed to meet the needs of most retailers and shopkeepers, and our specialist business insurance team are always on hand to help you with any specialist requirements you may have or to assist you with any queries.
Apply on-line or call us today to discuss your requirements.