PROtique Hair Stylist insurance offers the freedom to solely focus on your clients and be assured that in the event of an accident or an unforeseen circumstance, you and your business are protected against liability and damage to your property.
If you are a salon owner, PROtique offers small business insurance specifically designed for your needs.
PROtique Hair Stylist insurance includes coverage for:
- All Hair Styling Services
- Hair Colouring
Coverage Extensions Are Available for:
- Body Wraps
- Ear Piercing
- Electrocoagulation (for skin tags, spider/thread veins, milia, ruby points)
- Electronic Muscle Stimulation (EMS)
- Eyebrow Lamination
- Eyebrow & Eyelash Tinting
- Eyelash Extensions/Perms/Lifts
- Gel & Acrylic Nails
- Glycolic Peels – maximum 30% AHA content
- Green Peel
- Laser, IPL & LED Esthetics – excluding CO2 Lasers
- Make-Up Artistry – excluding permanent makeup or tattooing
- Micro-current Skin Treatment
- Micropigmentation & Microblading
- Pedicures – excluding cutting or removal of corns, bunions or ingrown toenails
- Relaxation Massage
- RF Skin Treatment
- Skin Needling
- Spray Tanning
- Tanning Beds
- Teeth Whitening – product must be manufactured in North America
- Ultrasound Skin Treatment
- Privacy Breach
- Cyber Incidents & Online Content Liability
PROtique Masterplan Key Coverages
Protects against lawsuits alleging your service or advice caused injury or loss to a customer. For example, this is designed to defend you if a customer has an allergic reaction or is burned by a product used in their hair.
Protects against accidental injury to others, or accidental property damage. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your spa.
Includes replacement cost coverage for tools, equipment & stock owned by your business while it is on the premises of your business, plus any renovations or leasehold improvements you are responsible for. Broad, multi-peril coverage is provided – in other words, the policy protects you against a wide variety of things that could damage your property such as fire, theft, and vandalism and sewer backup among others.
PROtique Coverage Extension
This is a package of various coverages included on all PROtique Masterplan policies. It is designed to maximize your protection by covering gaps that often arise unpredictably after a claim.
Covers lost profit and pays for necessary ongoing expenses if your salon business is interrupted or closed due to a property damage claim. For example, if your hair salon suffers extensive water damage after a storm and you’re closed for 2 months while it’s repaired, the policy will reimburse you for the profit you’ve lost and it will pay for necessary operating expenses that continue even while you’re closed, such as your salary and loan payments.
Coverage is also included for extra expenses you incur to avoid or minimize the interruption of business after a claim. For example, if your hair salon suffers extensive damage after a fire and you’re closed for 3 months, this coverage can be used to cover the costs of relocating your business and advertising to let your customers know where to find you.
Equipment Breakdown (optional)
This insures your electronic equipment (or your electrical panel, wiring, air conditioner) against damage from electrical disturbances (like power surges and brown outs) and mechanical breakdown, and more importantly, it covers the lost profit and necessary ongoing expenses (like your salary) if you’re closed due to the equipment breakdown. Many commercial leases require you to carry this coverage. You can find out more info about the coverage at www.protique.ca/equipment-breakdown-insurance/ to help determine if it’d be beneficial for you. Note that this coverage is automatically included on some policies.
Proof of Loss Preparation Costs and Professional Fees
These 2 benefits help to pay for expenses incurred for you to establish the amount of your loss after a claim and to prepare the Proof of Loss form that you’re required to submit before a claim can be paid. For example – your business is shut down for a month to clean up after the sewer backs up into your salon after a storm. You will likely need to hire an accountant to establish how much profit was lost while you are closed before you can be reimbursed by the insurance company.
**All coverages are subject to the limits of insurance purchased and the usual Terms, Conditions, Exclusions and Warranties of the underwriter, Intact Insurance. Deductibles may apply to some of the listed coverages. More detailed coverage information will be provided with your quote.