Small Business Insurance - Personal Care Services
You've always had a special ability to connect with people. You saw a stressed-out world and turned your skills into a small business. Travelers offers specialized coverages to protect your personal care business – from salons to massage therapists. You want your clients to look and feel their best under your care. We feel the same way about your business.
Personal Care Services Business Owner's Policy
Whether it's getting the best training or using the highest quality products, your business depends on solid fundamentals. That's why we always recommend starting with a Master PacSM Business Owner's Policy (BOP).
Master Pac includes:
- General Liability
- Products Liability
- Premises Liability
- Professional Insurance
- Business Income/Extra Expense
- Computer Equipment, Data and Media
- Employee Theft & Dishonesty
Who is it right for?
Small businesses providing Personal Care Services, including:
- Beauty or Hair Salons
- Cosmetology Schools
- Day Spas
- Massage Therapists
- Nail Salons
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Customize your policy with these add-ons
You might not think much about data. But you probably have clients' credit card information and personal preferences on file. That means you're a target. Cyber insurance can protect your business in the event of a data breach, and helps cover costs resulting from court-awarded judgments and out-of-pocket expenses such as consulting and forensics to identify and resolve the cause of the breach, customer notification (often mandatory), credit monitoring, and public relations to help manage any negative perceptions that might arise.
These best-in-class coverage enhancements (more than 40 features and higher limits) are designed for businesses with more complex insurance needs: Water/sewer backup covers damage to your building, equipment and furnishings if there is damage from water or sewer lines, Utility services coverage protects you from losses due to power outages because of damage to off-premises utility services, and Higher limits for computer equipment, media and data.
EPL+ defends your business if an employee makes a claim alleging a wrongful practice such as discrimination. This helps cover legal expenses as well as potential settlement costs, up to the coverage limit.
If you're looking to outpamper your competition, you might be considering offering food and beverage service. In most states, you are required to purchase liquor liability insurance if you provide alcohol to clients during appointments. This endorsement can be added to your Master Pac and protects your business if you are sued for alcohol-related injuries or property damages.
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