Beauty, spa, and wellness insurance provides tailored coverage for salons, spas, and wellness centers, including general liability for client injuries, professional liability for malpractice claims, and product liability. It also typically covers property damage and business interruption, safeguarding against losses from unforeseen events affecting business operations.
Target Clients
Mobile, Chair Renters, Home based, Salons, Medi Spas
- Hair and Esthetic Services
- Massage
- Laser/IPL/LHE/EPL
- Coolsculpting
- Radio Frequency
- Injectable Treatments e.g. Botox and Collagen
- Teeth Whitening
- Tanning Operations
- Tattoo Removal
- Nail Salons
- Microblading / Micropigmentation
- Platelet Rich Plasma (PRP)
- Vampire Facials
- O/P/G Shots
- Vaginal Rejuvenation
- Beauty Schools
- Associations of Practitioners – Provincial or National Programs
Coverage Available
- Commercial General Liability including Employers Liability
- Professional Liability / Medical Malpractice
- Cyber / Privacy Breach – First & Third Party available for up to $250,000 Limit
- Property, Crime, Business Interruption, Boiler Package
Features & Benefits
- Miscellaneous property floaters
- Ability to cover higher risk treatments
- Limits up to $5 million CGL / Professional
- Property – All Risk, Replacement Cost
- Abuse sublimit available for most risks up to $1 million
Minimum Premium as low as…
- $285 Chair Renters
- $385 Home Based Business
- $400 Salons