The following coverages are included on every PROtique policy:
- Liability coverage that doesn’t disappear. Under some other policies, premiums are lowered by only offering “claims made” coverage (often only disclosed in the small print), which disappears when your policy expires – a serious problem given you could still be sued 2 years or more after your policy expires. With a PROtique policy, you get “occurrence based” coverage so you be confident your coverage will be there when you need it.
- Minimum $2,000,000 Professional Liability limit is included to defend you against actual or frivolous allegations that your service injured a client. This is the base limit on each policy – a higher limit is available. Many policies, including home insurance policies that offer home based businesses extensions, lower their premiums by not including professional liability coverage, arguably one of the most important coverages you should have in your line of work.
- No deductible for liability claims involving injuries, such as when a customer slips and falls, or a customer is injured from a service you provided (ie. Allergic reaction, infection, burns, etc…).
- Full access to your liability limit. If you’re ever sued, the full liability limit on a PROtique policy is reserved for paying out any settlement and will not be reduced by the cost of legal fees to defend you. Some other policies lower their premiums by using your liability limit to pay legal fees, so you don’t know how much coverage you will have available to pay for the settlement.
- Unlimited legal defence cost coverage. PROtique policies provide unlimited coverage to pay the legal fees to defend you if you’re ever sued. Payment of these legal fees also does not reduce the coverage available to pay out any settlement.
Keep in mind that a PROtique policy is specialized. Our service team focuses on insuring beauty professionals so we’re able to provide quick service & ensure your policy gives you the best protection on the market at a cost-effective price.
