Beauty, Salon & Spa Insurance

Beauty, Salon & Spa Insurance

Overview

Total insurance protection for beauty professionals.   Your industry requires expert advice on how to make sure your service is always available to your loyal customers.  Count on Highcourt Breckles to invest the time required to understand your business, and to make sure you have the right insurance – at the lowest price.  Your reputation and your clients will continue to look good with our unique approach to beauty professionals insurance protection.

Are you an ABA member?   In partnership with the Allied Beauty Association (ABA), we have exclusive member pricing for complete Commercial Insurance Packages for ABA professionals.  Ask about our exclusive liability and professional liability insurance offering for Independent Contractors who are members of the ABA.

Become a member today.

Whether you have 1 or 100 employees,  or chair/room renters, we have the right insurance to protect your business. Highcourt Breckles has been a pioneer in designing a beauty professional insurance program that’s flexible for any size or type of business.

Eligible Modalities Include:
• Hair Services, Hair Extensions, Manicures and Pedicures
• Ear Piercing, Electrolysis, Eyebrow/Eyelash Tinting, Perming And Extensions, Make-up Artists, Tinting and Eyelash Extensions
• Chemical Peels Including Alpha hydroxyl, Beta Hydroxyl & Jessner’s Peel
• Massage and Reflexologists, Non-Medical Aromatherapy, Reiki
• Body Wrap, Body Waxing and Facial Waxing
• Laser Hair Removal Using Intense Pulsed Light (IPL), Diode Laser, or ND: YAG Laser Machines only and aesthetician must be certified, Threading, Microblading operations

Coverage Highlights for Salon/Spa Package for Owners

The Property Section includes coverage for Salon and Spa Owners:

  • Contents of Every Description – includes Salon Equipment, Furniture, Supplies and Stock, Computer(s), Cash Register, Leasehold Improvements
  • Building – Building Coverage, for Salon and Spa Owners that own the Building that houses their Salon (Optional Coverage)
  • Loss of Income – replaces your Business Income should you be unable to operate your business due to an insured peril such as a Fire Loss
  • Sewer Backup is included
  • Flood, Earthquake coverage is available (Optional Coverage)
  • Equipment Breakdown Coverage (Optional Coverage)
  • Privacy Breach Expenses Coverage (Optional Coverage)
  • Voluntary Compensation Extension Endorsement (Optional Coverage)
  • Additional Fee of $28 for renting of chairs to Independent Contractors
  • Additional Fee of $250 for each Employee practicing Microblading
  • Additional Fee of $57 for Spa’s performing chemical/acid peels
  • Additional Fee of $171 for Spa’s serving alcohol

In addition to these major items listed above, the Property Section of the Salon/Spa Policy also includes the following coverages (often referred to as extended coverages):

Undeclared Property Extensions ($250,000 Aggregate)
Operations Extensions ($100,000 Aggregate)
Off Premises Extensions ($100,000 Aggregate)
Crime Extensions – loss of money and securities ($25,000 Aggregate)
Claim Recovery Extensions ($150,000 Aggregate)
Business Expansion Extensions ($1,000,000 Aggregate)
Catch All Clause (Crime Excluded) $25,000
By-Laws (included)
Eco Friendly Endorsement ($50,000)
Fire Department Service Charges ($25,000)
Land and Water Pollution Cleanup ($50,000)
Personal Property of Officers and Employees ($25,000)
Seasonal Automatic Increase – 25% of Equipment and Stock
Equipment and Stock Temporarily Removed from Premises ($10,000)

Learn More

Commercial General Liability

  • $2,000,000 each Occurrence Limit for Bodily Injury and Property Damage (higher limits available)
  • Includes Products and Completed Operations Coverage with an Aggregate Limit of $2,000,000
  • Includes Beauty Liability Coverage (Professional Liability)
  • Includes Personal Injury Liability Coverage
  • Includes Tenants Legal Liability Coverage ($500,000)
  • Includes Employers Bodily Injury Liability Coverage Extension Endorsement

Professional Liability

  • The Commercial General Liability Includes Beauty Liability Coverage

Types of Beautician insurance:

  • Hair Stylist Insurance
  • Barber Shop Insurance
  • Spas Insurance
  • Salon Insurance
  • Medi-Spa Services Insurance
  • Esthetician Insurance
  • Nail Technicians Insurance

See below to Learn More about the various types of insurance protection to consider.

Property Section includes coverage for Salon and Spa Owners
•Contents of Every Description – includes Salon Equipment, Furniture, Supplies and Stock, Computer(s), Cash Register, Leasehold Improvements •Building – Building Coverage, for Salon and Spa Owners that own the Building that houses their Salon (Optional Coverage) •Loss of Income – replaces your Business Income should you be unable to operate your business due to an insured peril such as a Fire Loss •Sewer Backup is included •Flood, Earthquake coverage is available (Optional Coverage) •Equipment Breakdown Coverage (Optional Coverage) •Privacy Breach Expenses Coverage (Optional Coverage) •Voluntary Compensation Extension Endorsement (Optional Coverage) •Additional Fee of $28 for renting of chairs to Independent Contractors •Additional Fee of $250 for each Employee practicing Microblading •Additional Fee of $57 for Spa’s performing chemical/acid peels Additional Fee of $171 for Spa’s serving alcohol

Employee Dishonesty
This is protection for financial loss caused by fraudulent acts by an employee or group of employees. The financial loss is typically property or money but could also protect your business against more sophisticated damage against you like credit card fraud, forgery, counterfeit fraud and more.

Professional Liability
Customers count on your expertise to provide advice or service to help them. If for some reason your expertise is not helpful, you could find your self in court defending your service or advice. And if it’s too late, you might find out that this type of claim is typically excluded from your general liability policy. Understand the fine print with a Highcourt Breckles broker – we know what it takes to protect your livelihood. Under our program, the Commercial General Liability includes Beauty Liability Coverage

Equipment Breakdown
Often this coverage is also referred to as Boiler and Machinery. We will review insurance options to cover mechanical or electrical breakdown for all of the equipment in your pharmacy.

Inventory
It’s table stakes to make sure your financial interest protected with a good insurance policy and that’s just what we’ll do. In addition, our insurance services will help you understand what options you have when replacing your inventory and goods after a break-in, fire or any insurable loss.

Utility Interruption
How much income or stock could you lose over a few hours of a lack of incoming electricity to your major equipment? We can help you understand under what circumstances we can provide coverage for your loss of income.

Commercial General Liability
• $2,000,000 each Occurrence Limit for Bodily Injury and Property Damage (higher limits available) • Includes Products and Completed Operations Coverage with an Aggregate Limit of $2,000,000 • Includes Beauty Liability Coverage (Professional Liability) • Includes Personal Injury Liability Coverage • Includes Tenants Legal Liability Coverage ($500,000) • Includes Employers Bodily Injury Liability Coverage Extension Endorsement

Catch All Clause (Crime Excluded) $25,000
•By-Laws (included) •Eco Friendly Endorsement ($50,000) •Fire Department Service Charges ($25,000) •Land and Water Pollution Cleanup ($50,000) •Personal Property of Officers and Employees ($25,000) •Seasonal Automatic Increase – 25% of Equipment and Stock •Equipment and Stock Temporarily Removed from Premises ($10,000) •The Liability Section provides Commercial General Liability •Insurance, which includes Professional Liability Insurance coverage.

Business Expansion Extensions ($1,000,000 Aggregate)
•Newly Acquired Buildings •Newly Acquired Stock •Buildings in Course of Construction

Claim Recovery Extensions ($150,000 Aggregate)
•Cost to prepare proof of loss •Fire Suppression System •Arson Reward •Lock Replacement

Crime Extensions – loss of money and securities ($25,000 Aggregate)
•Employee Dishonesty •Loss Inside (Burglary) •Loss Outside (Robbery)

Off Premises Extensions ($100,000 Aggregate)
•Contents at Trade Show or Exhibition •Property in Transit •Sales Samples

Operations Extensions ($100,000 Aggregate)
•Computers and Media •Off Premises Power •Premises Damages by Theft

Undeclared Property Extensions ($250,000 Aggregate)
Fine Arts Plants and Trees Outdoor Signs Valuable Papers Accounts Receivable

How We Can Help

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Why Brown & Brown?

We know that doing what's best for our customers requires constant dedication and quality service, and this foundation has enabled Brown & Brown to become an innovative risk management leader in this industry. Our teams work to provide personalized and dedicated service to help you navigate your path forward and adapt as circumstances change.

What Makes Us Different?

Growth has no finish line. No matter where you find yourself in your journey, Brown & Brown can help every step of the way. With a long-standing history of proven success, we provide the personalized service you want from a local agency while delivering the peace of mind you expect from a top brokerage.

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