Salon Insurance Policy Details

Here are just some of the Insurance Coverages available for Salons and Beauty Professionals

Professional Liability - This insurance coverage protects you and your employees, including independent contractors who provide professional services for your salon for "bodily injury" and "property damage" arising out of professional services rendered in the course of your business.

Business Income - This coverage protects your business for loss of earnings and expenses on an actual loss sustained basis for up to 12 continual months.

Advertising & Personal Injury - This coverage protects your business against claims of financial damages to others resulting from your advertisements.

Medical Expense - Insurance coverage that helps pay doctor bills for accidental injuries arising from guest injuries while on your premises.

Property Insurance - This is coverage for your building and your business property, including computer equipment and glass, from certain losses due to fire, vandalism, theft and more. This also includes coverage for equipment breakdown, outdoor sign damage and valuable papers or records recovery caused by a covered peril.

Equipment Breakdown - Coverage for the repair or replacement of equipment such as computers, air conditioners, phone systems, or steam boilers.

Independent Operators Coverage - Provided to independent beauticians, barbers or manicurists who rent or lease space from you for their services.

Workers Compensation - Insurance protection for your employees, required by law in the State of California.

Commercial Auto - Coverage for your commercial autos, including protection for hired autos and the extension of liability coverage to vehicles leased in the name of an employee on your behalf.

Umbrella Coverage - This type of coverage provides an additional $10 million of liability protection at a fraction of the cost.

At Rick Powell Insurance Agency we work on a continual basis to make sure that your business has the absolute perfect coverage to fit your needs. Customer service is top priority and we welcome questions and inquiries. Our goal is to make sure you are covered 100% correctly.