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Salon or Shop Owners Program

salon-shop-owner

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:

- Hair Salon
- Nail Salon
- Day Spa
- Barber Shop
- Massage Studio
- And More

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
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
Additional Premium
Special Form including theft, $500 Loss Deductible
Replacement cost coverage
Glass Included
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.