Property (if more is needed, ask underwriter):
- Risks up to $3,000,000 in total insurance value
- Coastal zones: $1,000,000 per location (excluding wind and hail)
General and professional liability up to $1,000,000 each occurrence/$2,000,000 aggregate
Additional excess/umbrella limits can be provided up to $5,000,000
No liability deductible
Rated based on the number of professional operators
Chair or booth renters can be considered named insureds under the salon’s professional liability
No designated premise restriction (with some markets)
Professional Liability is usually included automatically for services such as manicures, pedicures, waxing and massage
Tanning liability available
Eligible Risks
Barber shops, beauty or nail salons
Salons that offer massage services on an incidental basis
Salons that have tanning beds
Independent contractors
New ventures
Quoting & Applications
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*Coverage may not be available for all accounts or in all states
*Applications will apply to most markets but in certain circumstances additional applications may be needed
