Purchasing an insurance policy that is specific to the beauty industry is imperative if you own a beauty salon or spa that provides full-day spa services, esthetics or hair styling. Accidents can happen and are sometimes unavoidable – what matters is that you are prepared and proactive with as little disruption to your business as possible. PROtique insurance policies specialize in covering beauty salons and spas, and know what is required to provide you with broad coverage for protecting your business.
By purchasing PROtique insurance as a beauty salon or spa owner, you will have the peace of mind to focus on your clients and their satisfaction.
PROtique Beauty Salon and Spa insurance can include coverage for:
- Aromatherapy
- Body Wraps
- Eyebrow Lamination
- Eyebrow & Eyelash Tinting
- Eyelash Extensions, Perms & Lifts
- Electronic Muscle Stimulation (EMS)
- Facials
- Gel & Acrylic Nails
- Glycolic Peels – maximum 30% AHA content
- Green Peels
- Hair Styling Services
- Make-Up Artistry – excluding tattooing
- Manicures
- Micro-current Skin Treatment
- Paraffin Treatment
- Pedicures – excluding cutting or removal of corns, bunions or ingrown toenails
- Relaxation Massage
- Reflexology
- Spray Tanning
- Teeth Whitening – product must be manufactured in North America
- Waxing, Sugaring & Threading
Coverage Extensions Are Available for:
- Dermaplaning
- Ear Piercing
- Electrocoagulation
- Electrolysis
- Laser, IPL & LED Esthetics – excluding CO2 Lasers
- Microdermabrasion
- Micropigmentation & Microblading
- Reiki
- RF Skin Treatment
- Skin Needling
- Tanning Beds
- Ultrasound Skin Treatment
- Privacy Breach
- Cyber Incidents & Online Content Liability
Salons providing the following services cannot be insured with PROtique:
- Acupuncture
- Body Piercing – ear piercing is acceptable
- Chiropody
- Corn, Bunion or Ingrown Toenail Cutting or Removal
- Ear Candling
- Fitness, Nutrition or Weight Loss Programs
- Injectables
- Massage Therapy – relaxation massage is acceptable
- Medical Treatments or Procedures
- Mole or Wart Treatment – electrologists with the Advanced Cosmetic Procedures Extension may work on moles and warts subject to specific conditions
- Tattooing – permanent makeup can be covered
- Varicose Vein Treatment
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 has an allergic reaction or is burned by a product used in their hair or on their body.
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 salon.
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 salon business is interrupted or closed due to a property damage claim. For example, if your 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 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.
