HomeBarber Beauty/Barber/Nail Salon Product

Beauty/Barber/Nail Salon Product

Product Features

  • General Liability and Professional Liability rated on the number of professional operators
  • Professional Operators renting booths or chairs are included as insureds
  • Tanning Device Liability available
  • Loss of Income – 12 month Actual Loss Sustained Basis with a stated limit

Can consider:

  • Risks with up to $3,000,000 in annual sales
  • Independent contractors
  • Tanning beds (incidental to operations and up to four units)
  • Incidental massage services
  • New ventures

Available Limits

  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Professional liability limits equal to the general liability limit
  • Tanning device liability $100,000 occurrence/$300,000 aggregate
  • Property values up to $3,000,000 in protection classes ($500,000 coastal)
  • Excess general liability or umbrella up to $5,000,000

Claims Examples

Professional Liability: An employee of a posh hair salon was applying hair color to a customer’s hair. The customer sued the insured for not asking her if she had any allergies. The suit settled for $25,000

Bodily Injury:  An employee was loading a product rack and failed to realize that the one side of the rack had a crack. The rack collapsed and landed on a customer. The customer received numerous injuries and later sued for $5,000 in medical costs and loss of wages.

For questions, contact Amrith Sahatoo:
Phone: 212-897-6912 Ext: 4220
Email: asahatoo@dgainc.com

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