Personalized coverage for the personal care industry.
The personal care industry is made up of various sectors, including day spas, hair salons, barbershops, tanning salons, makeup artists, aestheticians, and many more. In addition, depending on the type of business you have, the type of services and treatments you provide vary: from hair, makeup, and nails to facials and peels; microdermabrasion, wax removal, massage, body contouring, and body wraps to eyelash enhancements, eyebrow enhancements, and airbrush tanning, among others. You’re in the business of making your customers look and feel great.
Insurance can help erase your worry lines.
But, as with any of business, things can and do go wrong. That’s why having the right insurance program from Martin Insurance Group for your spa or salon is a prudent thing to do. We provide New Jersey, Pennsylvania, and Connecticut area businesses such as yours with tailored insurance solutions from financially sound insurance companies.
We will provide you with barbers and beauticians professional liability insurance, critical in the work you perform, as one mistake can be costly even if a claim is without merit. Errors & omissions coverage will cover the potential costs incurred to you to defend yourself against a client who is dissatisfied with services provided and claims they have been injured because of the work. For example, a customer may claim that the straightening treatment you gave her burned her scalp and prevented her from going to work, causing her to lose wages. Or, perhaps a wax machine being used on a customer malfunctions and causes scarring. In either case, the client wants recourse and sues. Even in circumstances where you may think there is no case, your legal costs can be significant. Professional liability steps in to provide you with the coverage you need. The staff at Martin will discuss the limits you need, what deductible makes sense for you and available additional enhancements.
In addition, our suite of coverages includes general liability to protect you against costly and time-consuming lawsuits alleging bodily injury and property damage to third parties (such as your customers or vendors), and property insurance to cover the damages from storms, natural disasters, fire, and theft, including your business personal property such as tanning beds, stylist chairs, shampoo sinks, merchandise, etc. We’ll review the difference between replacement cost and actual cash value so that you understand the type of property insurance available and how they differ.
Other important insurance coverages for your spa or salon include business interruption, which will provide for loss of income while your business is shut down because of a covered loss, such as fire. We will also discuss with you the need for equipment breakdown insurance, flood insurance and a commercial umbrella policy as well as workers compensation and employment practices liability.
What’s more, as a small business owner, it may make sense to combine certain coverages, such as your property and general liability, under a Business Owners Policy (BOP), so that you can save on costs. Our professional staff will review you the benefits of doing so.
Call now to speak with a representative about insurance for spa and salon owners. With clients in Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA, Martin has the experience and expertise to protect you and your business. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.
Q. Why do I need special insurance for spas and salons?
A. Without specialized business coverage such as spa and salon insurance, everything you put into an establishment could easily be wiped out with one accident, lawsuit, or other unplanned hardship. Martin Insurance Group can help you assess your needs and get the right business insurance for your organization. Whether it’s as simple as a BOP (Business Owners Policy), specialized industry coverage like spa and salon insurance, or even a cyber liability policy, we can help.
Q. Why should I buy spa and salon insurance from you?
A. Martin Insurance Group works with hundreds of New Jersey, Pennsylvania, and Connecticut businesses of all sizes, in a diverse range of industries. Chances are we have helped insure businesses similar to yours before ...READ MORE, so we know the ins and outs of your industry. What’s more, we have been selling insurance since 1983 and are a stable company you can trust.
Here are some additional reasons customers trust us for their commercial insurance needs:
We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as general liability, workers compensation, and business umbrella insurance from a variety of providers and help you choose the one that’s right for your business’ unique needs.
We might even recommend one business insurance provider for part of your coverage and another for other coverage – whatever makes the most sense.
We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your commercial insurance records are current. We’ll even help you through the auditing process. No more scrambling to meet dates or find certificates – your Martin team will make sure you are on the ball and in compliance.
Q. I already have spa and salon insurance. How do I know if it’s the right type or amount?
A. If you already have some form of spa and salon insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.
Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.