Beauty Salon & Spa Insurance - Allen Financial Insurance Group

Beauty Salon & Spa Insurance

 

  Customized Protection    Low Preferred Rates    Immediate Quotes    Same Day Coverage

Our Guarantee
Highest Quality, Broadest Coverage & Lowest Prices

Let’s face it.  It’s a tough economy and you need every advantage to succeed.  That’s especially true when it comes to choosing your Beauty Salon, Spa,  Permanent Cosmetic or Medi-Spa insurance policy.    It’s also important that your business be protected by a policy specifically designed for your operations.  

The Ultra Spa Policy   is exactly that.  An A rated, national program created to meet the unique needs of the Beauty Salon and Spa industry.  This program was designed by beauty salon professionals for salon professionals. 

Our comprehensive insurance plan gives you the ability to buy broad property and professional liability coverage at  Ultra Preferred rates.   The Ultra Salon Insurance Policy should save you 20% or 30% over your current policy.  Our promise is to deliver better service and more coverage for the insurance dollar than any competitor.

AFIG knows your business needs.  We have over forty years of experience in salon business and specialty professional liability insurance

Let’s face it.  It’s a tough economy and you need every advantage to succeed.  That’s especially true when it comes to choosing your Beauty Salon, Spa,  Permanent Cosmetic or Medi-Spa insurance policy.    It’s also important that your business be protected by a policy specifically designed for your operations.  

The Ultra Spa Policy   is exactly that.  An A rated, national program created to meet the unique needs of the Beauty Salon and Spa industry.  This program was designed by beauty salon professionals for salon professionals. 

Our comprehensive insurance plan gives you the ability to buy broad property and professional liability coverage at  Ultra Preferred rates.   The Ultra Salon Insurance Policy should save you 20% or 30% over your current policy.  Our promise is to deliver better service and more coverage for the insurance dollar than any competitor.

AFIG knows your business needs.  We have over forty years of experience in salon business and specialty professional liability insurance

The Ultra Salon program is designed to cover:

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Beauty Salons & Independent Contractors

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Hair Salon Insurance

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Nail Salon Insurance

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Day Spa Insurance

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Cosmetolologist Insurance

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Electologists

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Chemical Peel Insurance

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Estheticians including chemical peels, microdermabraisions, myotonology &
galvanic current machine services.

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Ear Piercing

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Microdermabrasion Insurance

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Permanent Makeup Tattoo Artist Insurance

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Body Piercing Artist Insurance

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Massage Therapy including Reflexology Insurance

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Body Wrap Insurance

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Waxing

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Teeth Whitening

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Tanning & Spray Tanning Insurance

Occurrence $1,000,000 – $2,000,000
General Aggregate $1,000,000 – $2,000,000
Aggregate Products/Operations $1,000,000 
Personal Injury /
Advertising Injury
$1,000,000
Medical $1,000
Damage To Premises Rented To You $100,000

 

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Beauty Salon & Spa Insurance - Allen Financial Insurance Group_Spa

Medi-Spa Services

  • Dermal Fillers / Botox
  • Laser Treatments
  • Medical Strength Peels – Skin types I-IV
  • Sclerotherapy Services
  • Cellulite Treatment
bullet National A rated company
bullet Low Preferred Rates
bullet Immediate Quotes
bullet Easy Payment Plans
bullet 24 / 7 Claims Service
bullet Immediate Certificates of Insurance

Coverage is written on an occurrence basis (not claims made) through a domestic, A rated insurance company and tailored to fit your specific stable operations and budget.  

Coverage in this program include:

bullet Combined Business & Professional Liability
This program begins with a broad array of liability coverage vital to the operation of your salon. In addition to being covered against liability risks specifically associated with salon business you are also covered in such areas as product liability, property damage liability and legal services.  Coverage can also be extended to independent beauticians, technicians 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 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 equipment breakdown insurance, which covers repair or replacement of damaged equipment, due to mechanical and electrical breakdown.

Additional Coverage Available

bullet Umbrella Limits to $5,000,000
Coverage Guidelines

  • All beauticians, barbers, aestheticians and massage therapists must be licensed if required by the state.
  • Services covered may include hair, nails, facials, electrology, permanent make-up, microdermabrasion, massage, tanning and limited spa services.
  • Spray tanning is acceptable.

 

Things You Should Know:

Why Do I Need Professional Insurance?

The business general liability, commonly referred to as CGL, provides comprehensive coverage  for operational exposures such as your premises, sub-contractors and products liability.  The CGL policy does not cover your professional liability for mistakes inherent in the practice of your profession.    This exclusion applies not only to bodily injury and property damage but also to pure economic loss.  The Professional Liability policy  protects you against negligent acts, errors or omissions during the course of providing your professional services.

What Does The Business General Liability Policy Cover?

This policy was specifically designed to protect your business anywhere in the United States, it’s territories or Canada.  The general liability policy will pay the damages imposed upon you or your business by the law.  It also pays the cost of defending you when a claim is made against your policy.  Coverage is written on a full occurrence basis by an Admitted, A rated US insurance company and is tailored to fit your specific event needs.  The policy can also add your landlord, sponsors, volunteers and independent contractors as additional insureds.

Certificate of Insurance vs Additional Insured Endorsement

When renting a premises or attending a special event you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions.  More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.

Frequently, another party such as the venue or a sponsor will ask to be named as an additional insured on your policy.  The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.

What is Waiver of Subrogation?

Very often, a contract or lease agreement will require one or both parties to waive their rights of subrogation.  Subrogation means one party has the right to “step into the shoes” of another party for the purposes of bringing a claim for damages.  Suppose you experience a financial loss due to the negligence of a third party.  Normally you could sue the responsible party for full restitution but if your insurance company pays the claim your insurer is then subrogated to your claim against the negligent party.  In essence, your insurance company has been given your rights of recovery after paying your claim.  Before you sign a contract containing a waiver of subrogation, check with your insurance agent to be sure you are not violating any of the terms of your insurance policy.  If your policy will not permit a waiver, you may be in danger of losing your insurance coverage, leaving you without policy proceeds or a cause of action against the other party.  If the insurance company does permit a waiver of subrogation, it may be necessary to obtain an endorsement to the policy and, in some cases, pay an additional premium.

What is Third Party Property Damage Liability (Care, Custody, Control Liability)

Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the insured.  Care, Custody, Control Liability (also known as Third Party Property Damage) is an optional coverage that will pay for direct physical damage the the rented premises.

Information Request Form

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  Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more product information.

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