Arizona Salon Insurance
Your beauty shop or salon provides a variety of services to your community, making it difficult to know what small business insurance you actually need. Salons offer many types of services - manicures and pedicures, massage, threading and hair removal, hairdressing, facials, and more – making it tough to generalize your coverage needs.
Lifetime Investment, LLC specializes in your industry, and represents carriers who offer coverage tailored for various types of salons and services. You should look for the following key coverages when purchasing insurance for your salon.
- Business Property covers your building - if owned - and contents in the event of a fire or other covered hazard. Also included in property insurance is coverage for lost income in the event of mechanical breakdown or if your building becomes uninhabitable.
- Crime Coverage offers protection by adding an endorsement to your policy. It provides coverage for employee dishonesty, forgery or alteration, robbery, premises burglary in addition to several other named perils as described in the policy.
- Liability Insurance protects you against negligent actions and the unforeseen, such as slip and falls.
- Professional Liability coverage is often included in the Business Package Policy. It covers damages due to professional services performed… such as burning a customer’s scalp from improperly mixing hair chemicals or cutting a customer’s cuticle and causing an infection that later requires medical treatment.
- Workers Compensation covers injuries to employees while in the course of performing their duties.
Working with an experienced Independent Insurance agent who will analyze the insurance needs of your Salon and provide a competitive proposal with all the necessary coverage should be a significant part of your business plan. The Agents at Lifetime Investments, LLC have the experience and work with numerous insurance companies that offer necessary and affordable Salon insurance protection.
Call today to further discuss your Salon insurance needs (Beauty, Barber, Nail, Tanning, Tattoo). We have markets for all types of Salon businesses. We look forward to speaking with you.