Eastern Ontario Salon Insurance & Barber Insurance
Owning a barbershop or salon can prove to be a tough business as clients take their looks and hair very seriously. In a litigious environment it is very important to groom your insurance policy to fit your needs as there is a growing number of lawsuits being filed by some dissatisfied clients. Styling and cutting hair is an intimate activity and the results have a huge impact on your clients' self image.
As a responsible business owner, you need to have protection from a lawsuit that can ruin your business. Salon and Barber Insurance protects you from general liability in the rare case that a client suffers bodily injury. It also adds an extra layer of professional liability insurance in case you are accused of negligence. Finally, you'll know that your property is insured to proper levels.
What is Beauty Salon Insurance?
This coverage is designed to protect exposures related to the business. Insurance provides cover against bodily injury or property damage that third party customers experience while dealing with the business. In addition, a business owner operates in buildings and uses a variety of other equipment as the livelihood of the business. They must protect these assets and be able to replace them should they experience an unexpected loss.
Business owners sometimes rent out chairs to independent contractors and must have the appropriate coverage and processes in place to mitigate the exposure. As part of a salon, businesses may offer waxing, tanning, massage, facials, nails and makeup services, which must be understood and appropriately insured. Finally, companies operate with the purpose of earning income. Should they experience a loss they may be unable to operate and should insure against business income so they can continue to cover business expenses while the business is rebuilt.
Who Needs Barber and Salon Insurance?
- Hair Cutting Salons
- Beauty Salons
- Piercing Specialists
How do I Cover my Salon and Barber Exposures?
To cover your special risks, you need Salon and Barber Insurance which has coverage that can include:
- General Liability Insurance - protects your business against the high legal costs of bodily injury and property-related lawsuits.
- Commercial Property Insurance - your business will likely use cleaning and pressing machines and supplies that need to be protected from fire, theft and a variety of other exposures.
- Fidelity/Crime Coverage - from dishonest employees
- Personal Injury Insurance - injury to employees
- Errors and Omissions Insurance - employees can make mistakes that can end up costing a client a great deal of money. E&O Insurance will cover legal defense costs, and ultimately damages, including court costs up to the limit on the policy.
Upper Canada Commercial Insurance Group Inc Your Eastern Ontario Salon and Barber Shop Insurance Expert
Salon Insurance and Barber Insurance are affordable and necessary. You can cut away the unwanted and unneeded parts of general insurance and simply focus on what is important to your business.
You may feel that you are already fully protected by your general business insurance policy. But your business is unique and you need a Beauty Salon Insurance policy that protects you from its unique risks.
When you partner with our business insurance professionals, you will be talking with an insurance protection veteran who knows your business and how the various insurance protections align with it. We have protected the businesses of Kingston for 5 years and will put together a premiere salon and barber business insurance package for you at an affordable cost.
Let Upper Canada Commercial Insurance Group Inc help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for salons and barbers. All of the liability, property, equipment and machinery and other essential protections will be included in one comprehensive insurance package developed by a top-rated insurance carrier.
Two Reasons to Get Started Now
- Make sure that you and your employees are protected from any lawsuits that could close your business.
- Get started right away with a no-risk quote. Just fill out this short form and we'll get back to you within 24 hours to discuss your specific needs.
Upper Canada Commercial Insurance Group has three locations to serve you in Ontario, and we are well equipped to take care of local, regional, nationwide, and even international insurance needs. We can discuss issues like builders risk insurance, general liability, or any other insurance questions. We are there to serve your needs with expert and experienced professionals. We are an independent insurance broker. No other insurance broker in Upper Canada has access to all the different insurance companies that we do. This insures that you get affordable rates and the very best policy for your needs.