Beauty Salon and Day Spa Insurance

What kind of beauty salon insurance do I need?

At Sunstone we attempt to place your business in a package policy with coverage tailored to your industry.  Often, we can do that for the Beauty salons and day spas.  A comprehensive beauty salon insurance policy for a salon or days spa may have the following lines of coverage:

General Liability Insurance for salons and spas

This covers your business for injury or property damage to third parties.  General liability is a starting point, but due to various exclusions that may exist in your commercial general liability policy, you will want to make sure your salon insurance policy is rounded out with other lines of coverage.

Professional Liability Insurance for salons and spas

Professional Liability insurance is liability insurance for your work.  While general liability is focused on liability for things that are sudden or accidental, typically it does not provide liability coverage for errors or mistakes while providing your services.  That is why professional liability is an essential component of any complete insurance for salons or day spas.

Defense of Licensing proceedings

As a part of your professional liability insurance, you may have coverage for you in the event you face a disciplinary proceeding.

Abuse and molestation

Abuse and molestation are not always covered.  You will want to review your policy carefully.  This is a coverage part that Sunstone Insurance always specifically addresses with clients.  Claims involving sexual abuse or molestation can incur extremely high costs, and the cost to defend is similarly high.  It is recommended that any liability policy contain enough limits for abuse and molestation.

Crime coverage

Crime coverage protects your business against theft and loss of money.  Coverage is available for employee theft and embezzlement as well as non-employee theft on and off premises.

Cyber Liability Coverage

Cyber liability is quickly becoming a “must have” line of coverage.  No business is immune, and its is not just the large corporations that are target.  In fact, Mainstreet America business is now targeted more often.  Costs to repair systems, notify third parties, and replace data can be crushing.  Let Sunstone find a reasonably priced cyber insurance solution for your business.

Property

Protect your building and your personal property with a comprehensive property policy.  Even if you rent, you need coverage for your belongings and the improvements you have made to your space.

Auto liability

If you own autos under the business name, you need a commercial auto policy.  If you don’t, you need hired and non-owned auto liability.

Workers compensation insurance for salons and spas

You are liable to injuries sustained by your employees in the course of work.  This is also excluded under all general liability policies.  Injured employee claims can shutter a business.  Protect your salon or day spa with workers compensation insurance.