Submitting this application allows us to confirm your eligibility, coverage and premium for your business. It does not obligate you to buy a policy – we will only issue a policy if you ask us to! A copy of this application will be emailed to you once submitted so you’ll have a copy for your records. If your business owns or leases multiple locations, please submit an application for each location. Independent contractors and mobile services only need to submit 1 application.
What date do you want coverage to begin?
How many years of experience or training do you have that is similar to the beauty care services you are providing?*
Estimated Annual Revenue*
Name of Previous Insurance Company
Has an insurer refused to renew or cancel your policy or declined to insure your business?*
Have you had any claims in the last 5 years?*
Contents coverage includes tools, equipment, furnishings and stock or product, plus renovations or leasehold improvements for which you are responsible. Tell us how much coverage you need by entering the replacement value for brand new items. Use the full replacement value for brand new items to avoid being penalized if you have a claim.
Business Tools, Equipment & Furnishings (excludes vehicles)*
What is the cost to replace these with brand new items? (If you don't have any to insure, enter 0)
Laser/IPL Machines and Handpieces
What is the cost to replace these with brand new items?
What is the usual value of stock or product you keep on hand?
Leasehold Improvements & Renovations
What is the cost today to rebuild renovations you are responsible for. If you are leasing space, you are responsible for any leasehold improvements you make. Also check your lease as it will indicate if you’re also responsible for glass, heating/air conditioning, electrical system or leasehold improvements made by prior tenants or the landlord. The amount you enter must be enough to rebuild the improvements you’re responsible for to enable your unit to be rebuilt to its current setup after a claim.
Total Contents Limit (total of above)
If you are sued for negligence for something like a customer being injured from one of your services, or if a customer slips and falls, liability coverage will pay to defend you and to settle the lawsuit up to the limit you choose. Anyone can sue you for any amount of money – how much they actually get is another thing, making it difficult to know how much liability coverage is enough. The best advice we can give you is to choose the highest limit you can afford – it usually costs less than you think.
The deductible is how much the insurance company will reduce your claim settlement by for most property damage claims (i.e., if it costs $7,000 to replace your contents that were lost in a fire and you have a $1,000 deductible, the insurance company would pay $7,000 minus the $1,000 deductible for a total of $6,000).
How did you find out about us?*
Submitting this application allows us to confirm your eligibility, coverage and premium for your business. It does not obligate you to buy a policy - we will only issue a policy if you ask us to!
If you decide to buy a policy, then this application will attach to and form part of the insurance contract for which you are applying. Any applicant who gives false particulars or knowingly misrepresents or fails to disclose any fact in any part of this application will void the contract of insurance, and may subject you to criminal and civil penalties.
Upon electronic submission of this application, you declare that:
By submitting this application, you also declare that you have read and consent to PROtique® Insurance's Personal Information Policy ("Policy") for the current and future collection, use and disclosure of personal information in accordance with the Policy. The Policy can be viewed at www.protique.ca/privacy-policy.
Note that PROtique® is operated by KRS Insurance Brokers Inc. Insurance is underwritten by Intact Insurance.
PROtique is a specialized business insurance for Canadian Beauty Care Professionals in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia & Prince Edward Island.
©2019 All Rights Reserved / PROtique is a trademark of KRS Insurance Brokers Inc. and is used under license.
Please check if your equipment is licensed by Health Canada. All equipment MUST be licensed for use/sale by Health Canada to be legally used in Canada and insurable.