Beauty/Barber Shop

  • Policy Highlights:

  • Property and Liability coverages available on monoline or package basis for beauty shops and barber shops. Coverage is also available for individual operators, masseuses, manicurists, ear piercing, makeovers and facials.

  • Property Coverage available:

  • • Accounts Receivable

  • • Basic, Broad, or Special Form

  • • Building

  • • Business Income

  • • Computer Equipment

  • • Contents

  • • Equipment Breakdown

  • • Inland Marine

  • • Outside Signs

  • • Replacement Cost or Actual Cash Value

  • • Valuable Papers


 

  • CGL Coverage available:

  • • Primary limits up to $3 million occurrence/aggregate

  • • Hired and Non-owned Auto

  • • Included Coverages:

  • Error and Omissions Coverage—Policy Limits

  • Operators who are independent contractors included as additional insureds

  • Sexual and/or Physical Abuse Coverage—$50,000 per claim/$100,000 aggregate (higher optional limits available)

  • Medical Payments Coverage—$5,000 Limit

  • • Excess or Umbrella limits up to $25 million

  • • No deductible required

  • Crime Coverage available:

  • • Inside the Premises—Theft of Money and Securities

  • • Inside the Premises—Robbery or Safe Burglary of Other Property

  • • Outside the Premises