Day Spa & Beauty Supply Insurance 

As a day spa owner, providing service to your customers is what makes you successful.  After your clients, your most valuable assets are you professional employees and your facility.  Without these, providing service to your customers is not possible.  All assets are worth protecting.  By selecting a day spa insurance policy which is tailored to your unique needs is critical. 

If a fire were to shut down your shop for an indefinite amount of time, would your insurance pay for lost income and a temporary shop to set up in?  If your personal identity were stolen, could a poor personal credit profile affect your business operations?  Would your current day spa insurance pay to restore your identity and compensate for time lost in this process?  If your business is brought into a law suit because of the negligence of one of your stylists or estheticians does your current insurance policy offer adequate professional liability coverage for them? Our day spa insurance packages offer the right coverage for your unique risk exposures:·        

Loss Protection.  Protects your buildings and business personal property, including computer equipment and glass, from certain losses due to fire, vandalism, theft, windstorm, water exposure and other perils.·        

Business Income Protection.  Provides coverage for loss of earnings and extra expenses on an actual loss sustained basis for up to 12 months and not subject to annual sales.  Extended period of indemnity is automatically provided for up to 30 days, with the option available to extend to 120 days.·        

Blanket Coverage Option.  Covers all your buildings and business personal property under a single limit of insurance.·        

Equipment Breakdown.  Covers damages related to certain equipment failure which is often not covered by warranties or property policies.·        

Outdoor Signs.  Provides an included limit for damage to outdoor signs caused by a covered peril.·        

Valuable Papers and Records.  Provides an included limit for loss of manuscripts, deeds, and other important records pertinent to your business.  This coverage extends to loss of data and media caused by a covered peril.·        

Money and Securities.  Provides coverage for money and securities while in transit, at your premises, or at the bank when caused by theft, disappearance or destruction.  Coverage limits may vary for losses on and off premises.·          

Personal Effects.  Provides coverage for the personal property of your employees and you against losses cause by covered perils.·        

Products and Completed Operations.  Covers you against damages to property of others or bodily injury to the same caused by the services you perform and the products you sell.·        

Personal and Advertising Injury.  Provides coverage and defense against claims of financial damages to others resulting from your advertising practices.  Coverage is also provided if you or your employees are ever found liable for slander, libel or damaging another’s reputation in any other way.

Beauty Shop and Day Spa Professional Liability.  Protects your professionals, whether they are employees or independent contractors, against claims where they are accused of negligence while performing their professional duties.