Salon & Spa Program Overview
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Don't lose your livelihood and business to a catastrophic event like a fire or a
negligent, dishonest employee. There are so many things to think about when running
your business – why add liability and property loss exposures. With our specialty
Beauty Salon & Spa insurance program you can take these worries off your plate.
The program is designed to get you the
right coverage at the
right price.
If you do experience a loss, you can be sure we will be at your side to make sure
you’re back up and running in no time.
Why Desmond Insurance?
Over the years, we have developed a unique expertise in Beauty Salon & Spa insurance.
Because we represent the absolute best insurance companies for this particular type
of business, we regularly find beauticians and business owners better coverage for
less money. To learn how you can benefit from our distinctive program, please
contact our office just outside of Cincinnati,
OH. You can also fill out our very brief
online request
for more info.
Beauty Salon & Spa Insurance Coverage
Property Insurance
Your beauty salon may not possess all the following types of property, but these
are a few of the standard coverages offered in our Beauty Salon & Spa insurance program:
- Buildings and other structures (owned or leased)
- Furniture, equipment and supplies
- Inventory, including hair care and other beauty products
- Improvements and betterments you made to the premises
- Computers and Point of Sale Machines
- Mobile property such as scissors and electric clippers
- Signs, fences, and other outdoor property not attached to a building
- Leased equipment
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Beauticians Liability Insurance
No business can afford to be unprepared for a lawsuit. Beauticians liability insurance
(beauty salon liability insurance) protects your business assets when the beauty salon
or spa is sued for something you did (or failed to do) that contributed to injury or property
damage to someone else. Liability coverage extends not only to paying damages but
also to the attorneys’ fees and other costs involved in defending against the lawsuit—whether
valid or not.
Product Liability
If your beauty salon or spa sells shampoo and other items, you have a secondary
liability exposure. Our program includes product liability coverage for any beauty
salon or spa involved in product sales. Also important - if you in any way alter
the products you receive from manufacturers for resale (soaps, gels or other cleansing
products), you have a primary liability exposure. You are the first liable party.
General liability insurance won't cover this particular exposure, so you need to
secure product liability coverage. Recognize, too, that your product liability policy
will pay defense costs, whether or not a judgment is rendered against you.
Other...
Among the other related coverages are
Business Income with Extra Expense,
Valuable Papers,
Employee Dishonesty,
Employee Benefits Liability,
Umbrella Liability,
Hired and Nonownership Auto Liability and
Workers
Compensation. For information about these and other coverages please see
our
Beauty Salon & Spa Insurance Terms and Definitions.
Also, please don't hesitate to call us for information at (859) 491-5100.