Hair Styling Salons - Beauty Parlors
PROGRAM GUIDE - ELIGIBILITY and REQUIREMENTS
Provides Insurance Coverage for Hair Styling Salons, Beauty Parlors, Barber Shops, Day Spas
Coverage is available as:
Commercial Package Policy or Monoline Commercial General Liability
Business Personal Property coverage - Commercial General Liability coverage for Premises Operations - Products & Completed Operations.
Application
USE: HAIR STYLING SALON - GIC SALON
Eligible Accounts:
| Beauty or Barber |
| Beauty Product Sales |
| Body Wraps |
| Manicurist |
| Electrology |
| Facials (including peels) |
| Massage |
| Micro-Dermabrasion |
| Spa Services |
| Wax Removal |
Property Limits
MAXIMUM Property Limits Including WINDSTORM OR HAIL
THE MAXIMUM AVAILABLE LIMIT on any one risk, for all Section I exposures, with WIND OR HAIL is
$1,250,000. This includes coverages for ALL Buildings, Your Business Personal Property and Business Income.
MAXIMUM Property Limits Excluding WINDSTORM OR HAIL
THE MAXIMUM AVAILABLE LIMIT on any one risk, for all Section I exposures, excluding WIND OR HAIL is
$1,250,000. This includes coverages for ALL Buildings, Your Business Personal Property and Business Income.
AGE CRITERIA FOR BUILDINGS
Coverage for buildings over 50 years old will be unacceptable, unless an evidence of updates for heating, cooling, electrical and plumbing systems are included with submission.
ROOF AGE CRITERIA FOR BUILDINGS WITH WIND COVERAGE
Buildings over 25 years old- Evidence of roof replacement will be required upon binding.
Acceptable evidence: Roofing permit.
EQUIPMENT BREAKDOWN COVERAGE INCLUDED
Every policy covering property (Buildings or BPP or both) automatically includes coverage for damage caused by such perils as artificially generated electrical current, mechanical breakdown, pressure equipment losses and more.
The following is just a
sample of the type equipment that can be protected by equipment breakdown coverage:
- Heating and air conditioning units
- Refrigeration units
- Computers
- Communication equipment
- Emergency Generators
- Diagnostic equipment
- Electronic equipment
General Liability
Maximum Coverage Limits:
- $1,000,000 Each Occurrence
- $2,000,000 General Aggregate
- $1,000,000 Products and Completed Operations Aggregate
- $100,000 Damage to Premises Rented to You (Fire Damage) –Any one Premises
- $5,000 Medical Expense Limit (any one person)
Class Codes
10115 - Beauty Parlors and Hair Styling Salons: Premium Basis, Gross Sales
Coverage
We will offer Commercial General Liability Occurrence Form.
Policy Forms and Rate
Insurance Service Office and GIC Rules, Loss Cost Rates and Forms apply in all cases
Territory
State of Florida ONLY
Prohibited Classes
- Tattoo Parlors
- Tanning Beds
Updated 11/14