Beauty/Nail Salon/Barber Shop

barber-nail-beauty-parlors1Insurance for Beauty/Nail Salon/Barber Shops

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Insurance for Beauty/Nail Salon/Barber Shops

Barber shops, hair or nail salons, and independent contractors can obtain obtain coverage with a $0 liability deductible with no premise limitation.

 

Ineligible for Beauty/Nail Salon/Barber Shops

Please note we cannot offer coverage to the following:

  • Removal of hair by electrolysis
  • Any products sold under the applicant’s name or label
  • Student operators (even with a permit)
  • More than four tanning beds or tanning salons only
  • Not all professional operators have valid licenses
  • Located in AK, LA or WV
  • Property coverage in FL (unavailable with this product)

 

Coverage Available for Beauty/Nail Salon/Barber Shops

  • General and professional liability limits up to $1,000,000 each occurrence/$2,000,000 aggregate
  • Property limits up to $3,000,000 in total insurance value or in coastal zones up to $500,000 per location (excluding wind and hail)
  • Additional excess/umbrella limits can be provided up to $5,000,000

 

Optional Coverage for Beauty/Nail Salon/Barber Shops

  • Professional liability
  • Loss of income – is on actual loss sustained basis up to a stated limit
  • Non-owned and hired auto
  • Money and securities coverage
  • Signs
  • Glass
  • Equipment breakdown

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Claim Example for Beauty/Nail Salon/Barber Shops

manicurist doing manicure client painting nails with transparent nail polish in salon on white towel

General Liability: A patron at a nail salon was receiving a manicure. As she stood up, she fainted from the fumes causing fractures to her face. Medical costs were $150,000 after reconstructive facial surgery. A hair stylist was providing hair cutting services to her customer. As it was very busy that day, the stylist was not able to sweep up the hair before accepting the next customer. The next customer slipped and broke his wrist as he tried to catch himself. As he was a computer programmer and not able to perform his duties, medical and lost wage costs were $50,000.

 

Professional Liability: A patron came in to receive a pedicure. Unknown to the nail technician, the patron had a skin disease. The pedicure procedure aggravated the skin which caused an infection. The patron required $25,000 in medical costs. The hair stylist used her normal hair dying solution on a new customer. The customer ended up having a severe allergic reaction to the chemicals and was hospitalized for two days. The medical and loss wage costs were $20,000.

 

Property: The nail salon’s, written on special coverage form, pipe broke from the pedicure chair causing damage to the insured’s property. The cost to replace the damaged items was $5,000. A stylist did not unplug his hair dryer when he left the salon. The dryer short-circuited and caused $20,000 in damage to the salon.

Please note –
You must be an appointed Peachtree Special Risk Brokers, LLC retailer to use these programs. Quotes obtained via these programs will only be bound IF you are previously appointed producer with a currently executed Producer Agreement with any Peachtree office.  |  Also, you must be properly licensed with the State in which the risk is located, with a copy of your State license on file with us.  |  Prior to Binding, you must confirm with your local Peachtree office to determine any and all applicable taxes and fees.  |  No coverage is bound until confirmed in writing from a Peachtree representative.  |  Please contact a Peachtree representative if needed for additional pricing considerations on any quote received using these programs or if your submission has been declined.  – Thank you! –