Barber Shops Insurance Program from J.L. von Arx & Associates
J.L. von Arx & Associates offers a competitively priced insurance solution tailored specifically for barber shops and related personal grooming businesses. This program is designed to address the unique risks faced by these establishments, including independent contractors operating on-site. With access to multiple carriers and coverage options, agents can confidently place accounts that require flexible, customized protection.
Ideal Accounts and Target Classes
This program is ideal for small to mid-sized personal care businesses operating in Arizona, California, and Nevada. Target classes include:
- Class 10113 – Barber Shops (Retail Sales)
- Class 10115 – Beauty Parlors and Hair Styling Salons (Retail Sales)
- Class 15600 – Nail Salons
Whether your client owns a traditional barber shop or a modern grooming salon with multiple stylists, this program can accommodate a wide range of business models, including those with independent contractors.
Coverage Highlights and Advantages
The package includes a variety of optional coverages that agents can tailor to fit their clients' exposures:
- Professional Liability
- Loss of Income – 12-month Actual Loss Sustained basis with a stated limit
- Value Plus Endorsement – Includes 13 optional coverages such as Signs, Money & Securities, Employee Dishonesty, and Personal Effects Coverage, all for a flat rate
- Non-Owned & Hired Auto Liability
- Money & Securities Coverage
- Signs Coverage
- Equipment Breakdown Coverage
These coverages help protect your clients from a variety of operational risks—from theft and employee dishonesty to income loss due to equipment failure.
Underwriting Guidelines and Minimum Premium
Minimum premium starts at $500, making it an accessible option for smaller businesses. The program is open to a wide range of accounts but does have restrictions to maintain underwriting integrity. Prohibited risks include:
- Beauty or barber schools
- Businesses that manufacture, mix, blend, or repackage products for on- or off-premises use
- Operations involving wart or mole removal
- Any exposure to hair transplant/replacement, body wraps (non-organic), or diet/weight loss services
- Services involving permaderm (tattooing or permanent makeup) or podiatry
- Use of flammable dry shampoos
Submissions meeting these guidelines can usually be reviewed quickly, allowing you to deliver timely quotes to your clients.
Territories and Availability
This program is currently available in Arizona, California, and Nevada. Admitted coverage is available in some states, offering flexibility depending on your client's location and regulatory requirements.
Why Partner with J.L. von Arx & Associates?
As a Managing General Agency and Excess & Surplus Lines Broker, J.L. von Arx & Associates brings deep experience in niche markets like barber and grooming services. Their access to multiple carriers and strong underwriting support makes them an excellent partner for agents looking to place personal care accounts with confidence and efficiency.
For example, if you have a client operating a three-chair barber shop in California with a few independent stylists and valuable signage and equipment, this program could provide the robust, tailored coverage they need—all with a competitive premium starting at just $500.