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Independent Contractor Program


Professional Program Insurance Brokerage (PPIB) offers quality insurance for independent beauty industry professionals. Coverage can be customized, annual premiums are affordable and payment options flexible. Coverage selections include:

Professional Liability insurance, also known Errors and Omissions insurance, provides coverage for lawsuits or claims brought against your for professional services rendered or even alleging the failure to provide them, that did not have the expected outcome or intended results.

General Liability insurance protects you and your business for lawsuits and legal expenses when sued by a third party, such a slip and fall. This includes bodily injury, property damage, slander, libel and more. Many small businesses start with $1,000,000 per-claim limit and a $2,000,000 per-term limit. This means the insurer can pay $1 million toward any one claim and can pay a total of $2,000,000 over the term of your policy, which is usually a year.

Property insurance affords insurance for your business personal property, business-related equipment and loss of business against such perils as fire and theft.

This program is underwritten by an “A” rated company and provides these coverages for the following types of services:

- Hair Stylists
- Barbers
- Cosmetologists
- Manicurists
- Massage Therapists
- Estheticians
- And More

Independent Contractor Policy Available Coverage Limits
(Only the actual policy forms can provide coverage terms, limitations and exclusions)

General Liability Aggregate Limit $2,000,000
Products/Completed Operations Aggregate Limit Included
Professional Liability Included
Each Occurrence Limit $1,000,000
Personal and Advertising Injury Limit $1,000,000
Tenant Fire Legal Liability $ 100,000
Medical Expense Limit $ 5,000
No Bodily Injury Deductible 0
Additional Insured Included
Non-owned auto Liability Available
Business Personal Property (can include in transit) Available

For higher limits of insurance, contact us at 877.655.0123

If you’re an independent contractor in the beauty industry, let Professional Program Insurance Brokerage find the right coverage for you. We specialize in insurance for beauty industry professionals like you, so we can help protect you from the unexpected. Call 877.655.0123 or complete the form on this page for a free, no-obligation quote.