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Running a hair salon or barbershop comes with its own unique set of risks. Strong insurance coverage can protect you, your property, and your bottom line from costly losses or lawsuits.
Whether you cut, colour, or style hair at home or on location, you need insurance coverage to protect your small business.
If the salon/barbershop you’re working out of does not cover independent contractors under their policy, you will need insurance. Check with the salon owner to find out more about the coverages that are provided under their policy.
We’ll build you a customized policy that meets your business’ unique needs.
Commercial general liability coverage, or CGL insurance, is designed to protect small business owners when they face liability claims for bodily injury or property damage to a third party. For example, if a client falls and injures themselves while visiting your salon and files a claim against your business, your CGL policy can help with the costs associated with the lawsuit. It can even cover you when you or your staff are conducting business offsite, like when you’re hired to do someone’s hair for an event.
Imagine a fire accidentally breaks out in the back of your salon, destroying all of your inventory and equipment. Do you know what you would do next? Do you have a disaster recovery plan in place? If a disaster destroys your property, or someone steals from you, a commercial property insurance policy may be able to help with the costs associated with the loss. This coverage protects your bottom line, and it can also help limit your business’ downtime.
Small business owners have become targets for cyber hackers. If your point of sale software or other electronic devices store sensitive data such as client credit card information, you could be at risk for a cyber attack. Cyber risk and data breach coverage can help with the costs that may be associated with:
There are multiple factors insurers consider when calculating the premium for a business insurance policy. These factors include the following:
We’re as flexible as you need us to be.
We’re always open for you. With around-the-clock claims support by phone and online, we make settling claims fast, simple, and stress-free.
Pay for your policy all at once or in convenient monthly installments. We also offer 0% interest and we’ll even accept payment by credit card.
If you need to update your coverage at any point during your term, give us a call and we’ll walk you through the process. You can also cancel your policy at any time with no early termination fees.
