Colonial General Insurance Agency, Inc. offers a comprehensive Beauty Shop Insurance program designed to meet the specialized needs of beauty salons and individual operators. This program provides flexible Property and Liability coverages that can be written on a mono-line or package basis, giving agents the ability to tailor protection for a variety of beauty-related businesses.
Ideal Accounts and Appetite
This program targets a wide range of beauty and personal care businesses, including:
- Beauty salons and barber shops
- Individual operators such as hairstylists, manicurists, estheticians, and masseuses
- Businesses offering services like ear piercing, facials, and makeovers
Whether your client operates a full-service salon or rents a chair as an independent contractor, this program offers the flexibility to cover their unique exposures.
Coverage Highlights and Advantages
Property Coverage Available for Beauty Shops:
- Accounts Receivable
- Basic, Broad, or Special Form options
- Building and Contents
- Business Income protection
- Computer Equipment
- Equipment Breakdown
- Inland Marine
- Outside Signs
- Valuable Papers
- Replacement Cost or Actual Cash Value
Commercial General Liability Coverage:
- Primary limits up to $3 million occurrence/aggregate
- Hired and Non-Owned Auto
- Errors and Omissions Coverage—Policy Limits
- Independent contractors included as additional insureds
- Sexual and/or Physical Abuse Coverage—$50,000/$100,000 (higher limits available)
- Medical Payments Coverage—$5,000 Limit
- Excess or Umbrella limits up to $25 million
- No deductible required
Crime Coverage:
- Inside the Premises—Theft of Money and Securities
- Inside the Premises—Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of carriers to provide competitive solutions. While minimum premiums may vary based on risk characteristics, this program is structured to accommodate both small independent operators and larger beauty shop businesses. Contact Colonial General to discuss your specific client’s needs and eligibility.
Territories and Availability
This Beauty Shop Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available, depending on the risk profile and location.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in placing specialty risks. They understand the unique exposures faced by beauty service professionals and offer flexible underwriting, competitive coverage options, and access to multiple carriers. Whether you're placing business for a high-end salon in California or a startup nail technician in New Mexico, Colonial General can help you find the right fit.
With broad coverage options, high liability limits, and a focus on supporting independent contractors, this program is an excellent solution for agents seeking reliable markets for beauty-related accounts.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for beauty shops, salons, barber shops, and individual operators such as hairstylists, masseuses, manicurists, and estheticians.
Can independent contractors be covered?
Yes, independent contractors can be included as additional insureds under the liability coverage.
Is this program available in admitted markets?
Some admitted markets are available depending on the risk location and underwriting criteria.
What liability limits are available?
Primary liability limits up to $3 million occurrence/aggregate are available, with optional excess or umbrella coverage up to $25 million.
Which states is this program available in?
This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.