Beauty Care Professionals Insurance
Peace of mind for beauty professionals.
From salon owners to chair renters and independent contractors, every beauty care business faces its own set of risks. That’s why we offer the comprehensive insurance solutions of a PROtique policy that is tailored to your specific needs.
A deep understanding of the beauty care industry.
Since 1998, we’ve protected beauty care professionals with custom small business insurance. We understand the importance of providing peace of mind, so you can focus on what you do best: serving your clients. Let us customize a PROtique policy that’s perfect for your business, ensuring you’re covered for the risks that matter most.
Who we help
Beauty Salon and Spa Owners
Home Based Beauty Care Businesses
Freelance Estheticians and Hair Stylists
Our diverse beauty industry experience.
We’ve used our extensive experience to create broad, specialized insurance coverage for professionals in the beauty care industry. As your dedicated insurance guides, our service extends beyond finding comprehensive insurance coverage for your needs. In the event of a claim, one of our experienced brokers will be by your side to guide you every step of the way.
We have extensive expertise in these beauty care areas:
Hairstylists
Estheticians
Electrologists
Laser & IPL Technicians
Nail Technicians
Salons & Spas
The essential coverage your industry needs.
We understand that professionals in the beauty care industry have unique needs and can tailor our policies accordingly.
Commercial General Liability (CGL)
Protection if a third-party is injured while on your premises or accidentally has their property damaged due to your services or operation.
Professional Liability (E&O)
Protection against lawsuits alleging your advice or professional service caused injury or loss to a customer.
Business Interruption
Covers lost profits and helps pay for necessary expenses incurred to keep your business running if your salon or spa is forced to close due to a property damage claim.
Contents
This provides replacement cost coverage for tools, equipment and on-premise stock that is owned by your business against fire, theft, vandalism, sewer backup and more. As well, it covers any renovations or leasehold improvements you’ve made.
Equipment Breakdown
Insures your electronic equipment against mechanical breakdown and damage from electrical disturbances, such as power surges, short circuits and arcing. It also covers lost profit and ongoing expenses if you’re closed due to an equipment breakdown.
Crime Coverage
Protects businesses against money, property or inventory being stolen by employees or third-parties.
Coverage Extensions
These are designed to maximize your protection by covering gaps that can happen after a claim.
Let’s get your quote started.
Simply fill out our PROtique form to get a no-obligation quote in minutes – you can even pay for your policy online!
Beauty care insurance claims examples
You know that beauty care is a special career unlike any other type of business. It also has unique risks unlike other businesses.
Check out our clients’ real life claims for samples of the unique hazards beauty salons face. In each scenario, you’ll see why specialized insurance is vital to protecting you and your beauty care business.
One of our clients posted a sign in their hair salon warning customers not to sit on the styling stools as they could be unstable. Unfortunately, even with the visible warning sign, one of their clients sat on one of the stools and subsequently fell off, injuring themselves during the fall.
A month after the incident the salon owner was served with a lawsuit. Fortunately, the salon owner had general liability insurance as part of their PROtique plan which meant the insurance company paid for a lawyer to defend the salon owner, and paid the $15,000 settlement to the injury victim.
Example A:
One of our esthetician clients, with 15 years’ experience, noticed shortly after starting a waxing procedure that the area was too tender to continue, and advised their client they were going to discontinue the treatment. The client was insistent that they wanted to continue with the waxing. Because the esthetician didn’t want to upset their client they continued, and the bikini wax was completed as per the client’s specifications.
Unfortunately, the waxing client returned the next day explaining that they had been to the hospital to receive stitches as they had experienced bleeding after the waxing procedure. The client had retained a lawyer who alleged professional negligence.
Fortunately, our esthetician client was covered by professional liability insurance, their PROtique insurance policy paid out almost $14,000 in settlement fees two years after the incident.
Example B:
Another example is where one of our clients had a new customer wanting her eyebrows and upper lips waxed. The customer had advised that she had very sensitive skin.
The experienced esthetician used a very pliable warm wax due to her client’s sensitive skin. However, the client asked for the wax to be at a higher temperature as they didn’t think the cooler wax would be effective.
The esthetician completed the service to the client’s specifications. The next day however, the client called to report she had been burned by the wax and was seeking compensation.
Fortunately, our client has professional liability insurance coverage through the PROtique Masterplan policy, which means she has peace of mind that this situation is being handled through the insurance company.
Example A:
A salon owner unfortunately experienced a property fire, which caused extensive damage, due to a candle that had been left burning after the spa had closed for the day. Because of the widespread fire damage, the spa was closed for a few months, this had a big impact on our client as the spa was their only source of income.
Through the PROtique policy the insurance company advanced funds immediately to the client, and eventually the whole claim was settled for just over $500,000, which covered lost profits, paid for ongoing expenses while the spa was closed, and paid to replace the lost contents, renovations and leasehold improvements.
Example B:
One of our salon owner clients had the unfortunate situation where a fire started in a neighbouring unit and spread to their property causing considerable damage.
Through the PROtique Masterplan insurance policy our client received funds to cover lost profits and to pay necessary ongoing expenses while the salon was closed due to the fire damage.
Unfortunately for our client, they had not increased their contents limit to account for the replacement cost of all furnishings, equipment, and stock, or the renovations and leasehold improvements she was responsible for in her leased unit. As a result, her insurance only covered a fraction of the actual loss. We were successful though in getting her a bigger settlement after we discovered an error in the original settlement offer.
One of our esthetician clients purchased a new bed for their treatment room. Unfortunately the new bed collapsed while a client was receiving treatment. Due to the injuries received during the fall, the client went for physiotherapy to assist with the healing process.
A few weeks after the incident the esthetician received a notice from their client’s lawyer indicating their intent to sue as a result of the injury.
Fortunately for our esthetician client, their PROtique insurance policy included legal assistance and the insurance company lawyers handled the situation. It took two years to negotiate the settlement of $30,000 which was paid by the insurance company.
One of our clients had the unfortunate incident of a water main breaking outside their salon, resulting in the loss of water supply to their property for three days. The salon closure resulted in a loss of income during this time.
The insurance company for PROtique paid over $12,000 to our client for lost profit and to reimburse necessary expenses such as salaries for the staff during the closure, rent and utilities.
An intense storm caused extensive water damage in our client’s hair salon, closing it down for several weeks until the flooring and drywall could be replaced.
To compensate our client for the lost revenue and expenses incurred to repair the salon, a total payout of $28,000 was made by the insurance company for PROtique. This helped our client retain key employees because they could continue to pay their salaries until the salon re-opened.
One of our spa owner clients was presented with a $250,000 negligence lawsuit. One of their clients who had received laser hair removal treatment experienced a burning sensation and numerous red, raised burn marks on the treated areas. The lawsuit indicated she had scarring that may require corrective treatment, and reported the client was suffering from insomnia, anxiety and depression.
Fortunately the salon owner had Professional Liability Insurance through their PROtique plan, the insurance company paid for the $27,000 settlement to the victim and for the client’s lawyers.
A salon client approached the door to go in for an appointment just as another customer was exiting the salon. The door opened and unfortunately hit the woman trying to enter, which resulted in her falling to the ground and sustaining serious injuries including a broken hip, neck and back pain.
A month later our client was presented with a lawsuit for over $500,000 alleging they had not taken reasonable care to prevent a dangerous situation, had not warned people of the dangers of walking by the door, and that the door was a danger to people using it.
The PROtique Masterplan policy, which includes general liability insurance, paid to defend the salon owner, and paid the $125,000 to settle the claim with the victim.
A break and enter occurred in our client’s home-based spa. During the break-in, the thieves stole her laser hair removal equipment.
Fortunately our client’s PROtique Masterplan policy quickly got her business up and running again, they paid $16,000 for the new replacement equipment that needed to be purchased.
One of our clients owned a spa with a single step up leading from the reception area towards the treatment rooms. Unfortunately, even though the step was clearly marked, within the space of three months, two clients had tripped and fallen on the step. In both incidences the clients refused help at the time of the fall, however a few months later our client received notice from both of their lawyers notifying them that lawsuits were being filed.
Both of these claims were settled through the PROtique Masterplan insurance policy which includes up to $2,000,000 of general liability coverage to give salon owner clients peace of mind in situations such as these.
An intense storm caused extensive water damage in our client’s hair salon, closing it down for several weeks until the flooring and drywall could be replaced.
To compensate our client for the lost revenue and expenses incurred to repair the salon, a total payout of $28,000 was made by the insurance company for PROtique. This helped our client retain key employees because they could continue to pay their salaries until the salon re-opened.
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