The Salon and Shop Owners program offered by Professional Program Insurance Brokerage (PPIB) provides General and Professional Liability and Property insurance, all vital to protect your assets and keep your business open.
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 businesses:
Salon and Shop Owners Program Policy Available Coverage Limits
(Only the actual policy forms can provide coverage terms, limitations and exclusions)
General and Professional Liability
|General Liability Aggregate Limit||$2,000,000|
|Products/Completed Operations Aggregate Limit||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|
|Non-owned auto Liability||Available|
Business Personal Property
|Special Form including theft, $500 Loss Deductible|
|Replacement cost coverage|
|Property Enhancement Endorsement / $500 Loss Deductible||Included|
Property Enhancement option available for an additional premium at limits of $5,000, $10,000, and $25,000. Coverage includes outdoor signs; electronic data processing equipment &media; personal effects and property of others; property off-premises; outdoor property; accounts receivable; employee or volunteer dishonesty; on-premises/off-premises money & securities; sewer or drain water back-up under limited circumstances. For additional endorsements, contact us at 877.655.0123.
For higher limits of insurance, contact us at 877.655.0123
The Salon or Shop Owners Program from Professional Program Insurance Brokerage has the right coverage for you. We specialize in insurance for beauty industry professionals, 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.