Sun Tanning Salons

What Does GL Code 48808 Cover?

ISO GL class code 48808 specifically covers establishments primarily engaged in providing sun tanning services, including traditional UV bed tanning and sunless spray tanning. This code classifies businesses that operate tanning booths, beds, and related equipment, as well as those offering airbrush or spray tanning applications. It encompasses the general liability exposures associated with client services, equipment maintenance, and premises operations within a tanning salon environment.

Who Uses This Class Code?

Businesses falling under ISO GL class code 48808 include dedicated sun tanning salons, spray tan studios, and beauty or fitness centers that offer tanning as a primary or significant ancillary service. This also applies to individual operators providing mobile spray tanning services or operating tanning facilities within larger commercial spaces.

Common GL Claims for This Class

Common claims for tanning salons include client burns or skin reactions from overexposure or faulty equipment, slip and falls on wet floors, and allergic reactions to tanning lotions or spray tan solutions.

Coverage Tips for Code 48808

• Ensure your policy includes product liability coverage for any lotions, bronzers, or aftercare products sold, as adverse reactions can lead to claims.
• Consider professional liability (E&O) coverage, as claims can arise from improper tanning procedures, misapplication of spray tans, or inadequate client consultations regarding skin types and exposure limits.
• Maintain meticulous records of all tanning equipment maintenance, bulb replacement, and safety checks, as faulty equipment can be a significant source of liability.
• Verify compliance with Florida's tanning facility regulations, including signage, sanitation, and age restrictions, as non-compliance can void coverage or increase premiums.