Beauty and Wellness Salon Insurance in New Jersey
There are several specific types of salon insurance coverage for those in the health, beauty, and wellness industries. The work of these skilled professionals requires close personal contact with clients, which can result in misunderstandings and accidents.
However, the right salon insurance coverage can protect your New Jersey business while allowing you to pursue your work creatively and passionately. Blue Lion Insurance Advisors, LLC, offers a unique consultative approach. We prioritize building a relationship with our clients to learn the ins and outs of their business so they can protect themselves with business insurance solutions appropriate for their beauty and wellness operations.
Does My Health, Beauty, or Wellness Business Require Better Coverage?
The world of the beauty and wellness entrepreneur is exciting and fulfilling. There is always new clientele, and there may also be a flow of new employees. It can be a lot to keep up with, involving hours of training new staff to your standards, keeping up with paperwork and industry regulations, and ensuring everyone’s professional certifications are up to date.
On the client side, there may be complaints or injuries that result from treatments. All business owners must protect themselves with insurance that covers their investment in materials such as equipment and other property.
If your business falls into one or more of these categories, you may have specialized insurance requirements:
- Medical spas
- Wax centers
- Beauty salons
- Nail salons
- Day spas
- Eyelash salons
Salon Insurance for Your Business Model
Whether you are starting a new day spa or have spent the last 20 years operating a beauty salon, insurance coverage is important. Our highly training insurance agents at Blue Lion Insurance Advisors, LLC, can meet with you at your convenience. We can help you understand the specific needs that may arise from your health, beauty, and wellness business model. Here are some of the options we offer:
General Liability
This is the insurance coverage that allows you to engage with clients, vendors, competitors, and members of the community. In case of a lawsuit brought by a third party against your business, general liability insurance provides essential protection against these expenses. This can help your company stay in business and maintain your reputation.
Professional Liability
Necessary for all in this industry, professional liability insurance is a good choice for estheticians, as well. Like all business owners or professionals who provide personal services, estheticians are entitled to protect their finances and living. Professional liability insurance is recommended for business owners who provide personal services and advice. This type of insurance helps to ensure this protection.
Umbrella Policy
An umbrella policy offers extra liability insurance for your health and wellness business. This type of spa insurance can help protect against expenses incurred if sued for causing injuries to others. It also adds an extra layer of security against charges of libel, slander, and invasion of privacy.
Workers’ Compensation
This type of insurance is a must for any employer. Those who require spa insurance understand potential injuries may occur with equipment, chemicals, or cleaning agents necessary for hygienic beauty practices. Workers’ compensation insurance can help you protect both yourself as a business owner and your employees in case of injuries or accidents.
Employment Practices Liability Insurance (EPLI)
A type of insurance known as EPLI can help protect beauty, health, and wellness business owners from legal costs associated with sexual harassment, discrimination, and wrongful termination claims. Blue Lion Insurance Advisors, LLC, often recommends this type of insurance for businesses in these industries, as these types of lawsuits can be costly and damage reputations.
Other types of insurance protection can benefit business owners in the health and wellness space. Find out what kind of insurance coverage will help protect you and your business in case of an accident or lawsuit. As a partner with the Keystone Group, we pride ourselves on providing independent insurance solutions to our customers.
Upgrade Your Protection with Salon Insurance Coverage in NJ
Blue Lion Insurance Advisors, LLC, can help spa and salon owners across New Jersey find the best salon insurance for their operations. On average, 70% of our insurance reviews result in up to 30% savings on premiums, while improving coverage. We strive to provide the right salon insurance coverage at the right price with superior client service every time. For more information, contact us today.