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The
Ultra Salon
Services Program is a
preferred product designed specifically for beauty salons, nail salons,
retail and wholesale beauty salon suppliers.
Our Ultra Salon
Services policy provides coverage for buildings and/or personal
property at your business premises. Personal property off premises is
covered for $15,000. The
named Insured, their employees and scheduled independent contractors are
protected from business liability exposures including bodily injury,
property damage, professional liability, personal injury or advertising
injury. With the Ultra Salon program, not only are you
insured, but any stylist renting or leasing space from you can also
be insured.
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Coverage in this
program include:
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Professional
Liability.
This program begins with a broad
array of coverage vital to the operation of your salon. In addition to
being covered against liability risks specifically associated with hair
styling you are also covered in such areas as product liability, property
damage liability and legal services. Coverage will also be extended
to independent beauticians, barbers or manicurists who rent or lease
space for you for their services.
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Business Property and Income
Insurance
Business property insurance covers
the physical parts or your business. These are things like your
building, equipment, furnishings, fixtures, inventory, computers,
records and other valuable items. This coverage helps repair or
replace the building and its contents, and can also help provide
income if your business can't operate for a while after a covered
loss.
What if...
- Your business is totally
destroyed by a fire.
- Water from a broken pipe floods
your store.
- A power surge in your office
damages all of your computers.
A large property loss could bring
your business to a halt for months or longer. While your property is
being repaired or rebuilt, business income insurance will help cover
the costs to maintain your operation and continue to support your
customers and employees. Without this coverage a business may not be
able to recover lost income or lost customers.
Even if your building is not
damaged, your equipment can be. You can add Safeco's equipment
breakdown insurance, which covers repair or replacement of damaged
equipment, due to mechanical and electrical breakdown.
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Accounts receivable
- $25,000 coverage extension, with option to
purchase up to $250,000.
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Valuable papers and records
- $25,000 coverage extension, with option to
purchase up to $250,000.
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Equipment Breakdown -
Coverage for damage to certain
equipment failure which is often not covered by warranties or other
property policies.
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Outdoor signs
- $7,500 coverage for signs,
with option to purchase additional limits.
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Money and securities
- $10,000 on premises and $5,000 off premises
coverage.
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Personal Effects - Provides
$10,000 coverage for personal items owned by you or your employees.
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Sewer or drain backup
- $5,000 damage
caused by water that backs up from a sewer or drain. Additional
coverage may be purchased.
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Forgery
or alteration.
- This
coverage automatically provides $5,000 for loss involving forgery or
alteration of checks, drafts and other covered instruments. You may
purchase up to $45,000 additional coverage.
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Ordinance
or law.
- Following a
loss to your covered property, Ultra Salon automatically covers the actual
cost you incur if you must rebuild in order to meet new standards. |
Beauty Salon & Barber Shop Safety Checklist
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