Personal Care Insurance Solutions
Business Owner's Policies Starting at $500
Personal Care Classes

Personal Care Classes

High customer expectations, ever-evolving beauty technology, and the intimate nature of the industry put personal care businesses at risk. Get coverage from top-rated insurers for your personal care clients, including...

  • Aestheticians/estheticians.
  • Barber shops.
  • Beauty shops.
  • Day spas.
  • Massage therapists.
  • Medical spas (Note: All procedures must be performed or supervised by a physician).
  • Nail salons.

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Lines of Business

Lines of Business

  • General Liability Insurance
  • Property Insurance / Business Owner’s Policy
  • Professional Liability Insurance
  • Workers’ Compensation Insurance

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Coverage Highlights

Coverage Highlights

  • Available in 48 states
  • General Liability limits up to $2M / $4M million (Umbrella Insurance Available with $1M / $2M underlying)
  • Excess General Liability available up to $5 million
  • Property damage extension available
  • Business Income coverage available
  • Hired / Non-owned Auto Insurance available
  • Blanket Additional Insurance coverage available
  • Coverage available for new businesses
  • Free sustainability and discounted background check services provided by some carriers
  • No minimum revenue, no minimum payroll

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Eligiblity Attributes

Eligible Risk Attributes

  • New ventures may be eligible
  • Sustainable business revenue
  • Franchises
  • Independent contractor stylists (renting chairs at salons)
  • Massage therapy

Ineligible Risk Attributes

  • Businesses that sell products under their name
  • Tattoos
  • Botox injections
  • Laser treatments 
  • Tanning salons
  • Permanent make-up businesses
  • Body piercing operations
  • Eyelash extensions
  • Ventures with a history of poor losses

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