Small Business Insurance - Personal Care Services

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 water or sewage backs up or overflows from a sewer drain or sump, Utility services coverage protects you from losses due to power outages because of damage to off-premises utility services, and higher limits for Business Income Dependent Properties.

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.