Salon owners typically need commercial liability insurance to ensure safety of customers and for the building and business. Groom your salon business with this program for beauty/barber shops with owner as operator, operators as employees or operators as independent contractors. Coverage is also available for individual operators, masseuses, manicurists, ear piercing, makeovers and facials.
There are many distinctive features available in the Hair Salon, Day Spa, and Barber Policy:
Property – To protect your business building(s), contents, and equipment from a covered accidental direct physical loss.
General Liability – To protect yourself financially against costly claims and lawsuits covered under the policy.
Loss of Income – Covers the actual loss of business income caused by a suspension of operations because of covered accidental direct physical loss to the insured premises, including any extra expense incurred to the extent it minimizes the loss of income.
Barber, Cosmetologists, and Estheticians Professional Liability – To protect yourself financially against costly claims and lawsuits arising from the services that you provide to customers.
Computer Property – Provides broad coverage, with certain exclusions, for computer equipment used in your business operations, including computers, computer peripherals, computer cables, and software.
Equipment Breakdown – Provides coverage for damage to covered property caused by mechanical breakdown of covered equipment, and artificially generated current damaging covered equipment.
Utility Interruption Loss of Income – Coverage for loss of income caused by the necessary suspension of your business due to failure of communications, water, natural gas, or electrical service to the premises.
Let Jeff Bergman - River Valley Insurance Services help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Beauty Salon, Barber Shop or Day Spa coverage.