Beauty salon insurance including professional liability and business property and income insurance offers vital protection to beauty salon business owners and stylists.

Click here to find out more about Beauty Salon Insurance for your Salon, Barber Shop, Spa, or Tanning Salon!

 Beauty salon insurance is available from the American Agency that can be specifically tailored to meet the unique the needs of beauty salons, nail salons, the spa industry, and tanning salons. Beauty salon malpractice insurance claims are rising, and no salon owner can afford inadequate beauty salon insurance coverage in view of increased litigation fees and skyrocketing jury awards!

 Beauty salon insurance must include at a minimum both business liability insurance and professional liability coverage that protects the salon owner. Beauty salon insurance can also be purchased to include any stylists or other independent beauty professionals who rent or lease space from the owner to perform services.

 Traditional business liability insurance protects salon owners against bodily injury lawsuits.  If a customer or visitor to a salon is injured while on the premises from a trip or fall, business liability insurance is essential. Business liability insurance can also be obtained to cover potential personal injury lawsuits involving libel or slander, claims of false arrest, or claims arising from the physical eviction of an individual from the business site, or even claims arising from false advertising allegations.

 When standard business liability insurance is paired with professional liability coverage, the salon owner and potentially the independent professionals performing services are protected against any negligent acts of accidents that arise.  If a client has an adverse reaction to a product used, professional liability insurance protects against damages.

 Commercial insurance tanning salon coverage does not normally fall under the umbrella of standard business liability insurance coverage. Many manicurists and beauty salon owners make the mistake in thinking that their professional liability insurance covers tanning bed claims.  It doesn’t, and if commercial insurance tanning salon specific coverage is not obtained, personal assets can be at risk!

 The American Agency has long established relationships with underwriters who are tanning industry specialists, and can advise clients as to how their interest can be best served with adequate coverage if tanning services are offered in a beauty salon, tanning establishment, or spa.

 Business property insurance and income insurance is different than business liability insurance, yet just as important. Business property insurance protects a salon owner by providing reimbursement for specified property that is leased or owned in case of disaster.  Business property insurance plans are available to cover a building, business personal property, owners income from business operations that were disrupted, outdoor signage, funds that were lost from the premises, inventory replacement, or even the cost of reproducing electronically stored data that can be lost.

 Business property insurance and income insurance covers the cost to maintain operations and serve your customers and employees when a property requires repairing or rebuilding. The basis of reimbursement may be either actual cash value, which is the replacement cost less depreciation, or total replacement cost.  The salon industry experts at the American Agency are available for consultation as to the unique needs of each salon owner, and can recommend which reimbursement plan best fits both potential needs and budget requirements when offering insurance quotes for spa business owners, tanning establishment, or beauty salon.

 Discounts on business property insurance are available if safe aspects such as smoke alarms and sprinkler systems are installed in a salon, spa, or tanning establishment.  In addition, with certain plans, lower rates can be obtained by signing up for longer policy coverage.