While working with cutting-edge technology, a Laser Technician requires the utmost expertise and care. These tools require in-depth knowledge and each client’s needs are different and unique – together this brings an element of risk. Whether you freelance, own your own business or rent a room in a salon or spa, PROtique is one of the few providers that recognize and have specific coverage for Laser and IPL technicians without increased deductibles or onerous restrictions for Laser and IPL services.
PROtique Laser & IPL Technicians insurance can include coverage for:
- Acne
- Broken Capillaries/Blood Vessels
- Cellulite Treatment – excluding weight loss treatment
- Hair Removal
- Photo Facials
- Pigmentation Treatment (incl. skin spots, rosacea)
- Ruby Points
- Skin Rejuvenation
- Spider Veins
Coverage Extensions Are Available for:
- Ear Piercing
- Electrocoagulation
- Electrolysis
- Micro-current Skin Treatment
- Microdermabrasion
- Micropigmentation & Microblading
- RF Skin Treatment
- Skin Needling
- Ultrasound Skin Treatment
- Other Esthetic Services
- Privacy Breach
- Cyber Incidents & Online Content Liability
Technicians providing the following services cannot be insured with PROtique:
- CO2 Laser Services
- Tattoo Removal
- Smoking Cessation
PROtique Masterplan Key Coverages
Liability
Property
Professional Liability
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 is burned by your laser & IPL.
General Liability
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.
Contents
Includes replacement cost coverage for tools, equipment and 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, 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.
Business Interruption
Covers lost profit and pays for necessary ongoing expenses if your daycare business is interrupted or closed due to a property damage claim. For example, if your spa 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 spa 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 Laser & IPL equipment and other 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.
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 spa 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.
