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Salon & Spa Owners Insurance

Salon & Spa Owners Insurance

Salon and Day Spa Insurance

SALON & SPA OWNERS LIABILITY INSURANCE IS HERE!

As a business owner, you understand the risks that come with providing salon and spa services. With Alternative Balance, you can get salon owners liability insurance in just 10 minutes, taking one item off your checklist in just minutes.

Our insurance plan is designed specifically for the beauty and wellness industry and is backed by "A" rated carriers with the best reputations in the industry. You also get support from our top-rated and much loved customer service team! We have your back, and we want to help you succeed in your business.

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HOW DO I PROTECT MY SALON BUSINESS?

Alternative Balance brings you salon and spa liability insurance designed specifically for your business. Our beauty insurance coverage includes General and Professional Liability, Defense Costs, Damage to Premises Rented, Advertising Injury, Medical Expenses and more.

We also offer optional Protection Packages for Sexual Abuse Liability and Cyber Liability. For information on how having employees affects your liability risk, take a look at our Employer's Liability White Paper.

HOW DO I GET STARTED WITH SALON AND SPA OWNERS INSURANCE?

Our online process is simple, low-cost and instant - no waiting for a quote. In just 10 minutes, you can have high-quality salon and spa owners liability insurance at a lower cost than just about any other commercial insurance provider. While other companies would charge over $1,000 to cover a beauty salon or spa with employees just for the liability insurance, our prices for employers start at just $279 annually. Visit our Coverage & Pricing page for more specific information about the types of coverage included in our plan. You choose the options that work for your business to customize your coverage.

General & Professional Liability
Products-Completed Operations
Damage to Premises Rented to You
Third-Party Medical Expenses
Personal & Advertising Injury
Defense Costs

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Salon Insurance FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

False Arrest, detention or imprisonment
Malicious prosecution
Wrongful Eviction or Wrongful Entry
Oral or written publications that slander or libels a person or organization
Oral or written publication or material that violates a person's right of privacy
The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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