Beauty Salon and Spa Insurance

Beauty salon and spa insuranceDo you own or run your own beauty salon or spa?  Does your business do hair styling, esthetics or provide full day spa services?  If so, you’re in the right place!

Running a beauty salon or spa has a variety of unique, complex risks.  Plus there is one BIG difference between a beauty salon and other types of businesses – you are a professional business!  That’s not news to you, but most regular business insurance policies ignore it.  Not PROtiqueour policy is tailored to cover professional beauty salons!

You need specialized beauty salon and spa insurance to protect against the unexpected expenses and liability that can result from the accidental injury of your clients.  No to worry though – we’ve made it easy for you to get a customized, cost-effective PROtique ™ insurance policy that does a complete job of covering your business.

Spa Insurance for Beauty Salon Owners

Having a spa insurance gives you peace of mind in the event of a claim. You can depend on PROtique’s expertise to find the right insurance policy that fits your spa business needs.

Here are the types of services we cover for you:

  • All Hair Styling Services
  • Aromatherapy
  • Body Wraps
  • Eyebrow & Eyelash Tinting
  • Eyelash Extensions/Perms/Lifts
  • Electronic Muscle Stimulation (EMS)
  • Facials
  • Gel & Acrylic Nails
  • Glycolic Peels – maximum  30% AHA content
  • Green Peel
  • Make-Up Artistry – excluding permanent makeup or tattooing
  • Manicures
  • Micro-current Skin Treatment
  • Paraffin
  • 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:

  • Advanced Cosmetic Procedures
  • Ear Piercing
  • Electrocoagulation
  • Electrolysis
  • Independent Contractors
  • Laser, IPL & LED Services
  • Microdermabrasion
  • Micropigmentation & Microblading
  • RF/Radiowave Skin Treatment
  • Skin Needling
  • Tanning Beds
  • Ultrasound Skin Treatment

Salons providing the following services cannot be insured with PROtique :

  • Acupuncture
  • Body Piercing – ear piercing is acceptable
  • Botox
  • Chiropody
  • Collagen Injections
  • Corn, Bunion or Ingrown Toenail Cutting or Removal
  • Ear Candling
  • Fitness, Nutrition or Weight Loss Programs
  • 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 under a separate policy
  • Varicose Vein Treatment


PROtique Masterplan Key Coverages

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Liability Property
Professional LiabilityInfo about Professional Liability
General LiabilityInfo about General Liability Coverage
ContentsInfo about Contents Coverage
PROtique™ Coverage ExtensionInfo about PROtique Coverage Extension
Business InterruptionInfo about Business Interruption Coverage
Equipment Breakdown (optional)Info about Equipment Breakdown Coverage
Proof of Loss Preparation Costs Info about Proof of Loss Preparation and Professional Fees Coverageand Professional Fees

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.

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