Beyond the Basics - Specialty Insurance Programs for Nail Salons and Spas
Specialty Insurance for Nail Salons and Spas
There are risks in every business and protecting yourself against claims of bodily injury or property damage can keep your business going despite a claim against you. Claims can happen, even if you take the best precautions possible. Coverage considerations include:
Professional Liability
Property Insurance
General Liability
Workers' Compensation
Employment Practices Liability
Crime Insurance
Umbrella Liability
Additional considerations include coverage for spoilage, animal bailee, disposal of animals, off-premises and mobile breakdown, and more!
We have partners that have specific programs for the Veterinary Industry.
We are huge animal lovers and protecting the businesses that protect our pets is a huge priority for us.
We've Got You Covered
Get the best coverages in the market with a wide range of options to select from.
Provides coverage for bodily injury or property damage, for example, a customer slips and falls.
A Professional Liability policy protects against lawsuits from negligence in your performance. This can sometimes be added on by endorsement to your BOP or General Liability policy.
Insurance Claim Examples
General scenarios where having an insurance cover would help your Nail Salon and Spa business.
General Liability Claim Examples
A woman receiving a manicure fainted from the fumes and suffered fractures in her face causing large medical costs after receiving reconstructive surgery.
A hair salon didn't have time to sweep up hair and a customer slipped and fell causing broken bones. He suffered medical costs and lost wages because he was not able to work.
Professional Liability Claim Examples
A pedicure patron suffered an infection because they had a skin condition, resulting in medical costs.
A hair stylist customer had a severe allergic reaction to dye chemicals and suffered medical and wage loss costs.
Property Claim Examples
The water is left running in a pedicure chair overnight causing damage to the space and other equipment.
A stylist did not unplug equipment which short-circuited and caused damage to the space.
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Our Clients
Client 1
The name should be familiar! We named the agency after our foster-failure, Star. Adopted from Boston Terrier Rescue of NC (btrnc.org).
Client 2
The newest addition to our family, also a foster-failure from BTRNC, Roscoe.