Professionals like you in the health & beauty industry keep the rest of us looking and feeling our best. But high levels of physical interaction along with industry hazards like sharp scissors and subjective standards mean that you face unique operating risks that may expose your business to financial liability if you don’t have the right insurance coverage in place.
Getting a policy that fits the needs of your babership, salon, or spa should be as easy and comfortable as the services you provide to your clients. And just like getting a wax or a manicure, how painless the process is comes down to working with an experienced professional. We allow your business to shop coverage rates from multiple providers at once, keeping you protected in the event of accidents, injuries, lawsuits, and other issues you may face.
A Business Owner's Policy is a combination of business liability insurance and business property insurance. A BOP generally protects business owners from liabilities, property damage, perils, and business interruptions. Additional coverage can include spoilage of merchandise, data breaches, forgeries, particular crimes, vehicle coverage, and more.
Workers' compensation provides monetary and medical benefits to workers who get injured or disabled during the course of employment. Typically, if an injured employee accepts worker's compensation, they cannot sue the employer.
Commercial general liability typically provides coverage in case an injury or damage takes place on a business' property or while a business is operating. For instance, a customer could slip on the floor of your property, or an employee working at someone's home can slip and cause damage.
Premises liability insurance commonly protects you from accidents that occur on your company's premises, causing bodily injuries or property damage. Premises can be comprised of, but are not limited to, your office space, garden in front of your workplace, and parking lot. Note: If you have a General Liability policy, then you already have premises liability coverage!
Tools and equipment insurance is a type of inland marin insurance that provides coverage if essential and expensive tools get destroyed or stolen. You can add this as a supplement to your insurance policy to typically cover heavy and rare equipment that can be difficult to replace and find.
Insurance policies for health & beauty can get complicated because of the variety of permits, licenses, and skill sets that different employees may have within a given establishment. Service variety, including use of chemicals and administration of botox, can also create complexity when finding a policy. We can assist you with obtaining coverage for any of the following types of professionals you may employ:
A variety of skills means you’ll need a variety of coverage to account for all of your risks. We make it simple to obtain any or all of the following:
With there being so much to navigate, let us help make it simple to get your questions answered and your business insured. Fill out the quote request form today, and our service team will get you set up with a completely free consultation so that you can start building a policy for your salon, barbershop, or spa. We’ll free you up to keep your clients safe, healthy, and happy.
Something many businesses don't know is that commercial insurance carriers have preferences for which types of businesses they insure.
The problem for most business owners is that they don't know which carrier is the best fit for their business, leading to high premiums or declined applications for coverage .
The 321 LaunchPad is connected to the largest network of commercial insurers available anywhere. We match your business with a qualified insurer so you get the right coverage for a fair price.