Beauty Salons & Spas Insurance
Liability Insurance for Beauty Salons & Spas
Who We Insure:
- Salons & Spas
- Beauty Shops/Hair Stylists
- Barber Shops
- Booth/Chair Renters
- Independent Operators
- Nail Salons
- Hair Removal Services
- Beauty Schools
Why Choose
SASSI® is a trusted leader in beauty industry insurance, offering competitive pricing and coverage tailored to the unique needs of salons and spas, specifically to protect your services, your business, and your reputation.
Core Coverages Include:
- Hairdressing
- Hair Drying
- Permanent Waving
- Hair Weaving
- Hair Dyeing
- Hair Extensions
- Waxing
- Makeup Application
- Manicures
- Pedicures
- Waxing
- Facials
- Chemical Peels
- Microdermabrasion
- Skin Care with AHA Acids
- Exfoliation
- Esthetic Services
- Spray Tanning
- Massage Therapy
- Body Wrapping
- Full Body Massaging
- Slenderizing Services
- Aromatherapy Services
- Reflexology
- Electrology
- Laser Treatments
EXCLUSIONS: Tanning Beds, Body Piercing, Permanent Makeup, Tattooing, Mole Removal, Sclerotherapy (vein treatments) Microblading, and Botox (fillers).
- Bodily Injury (Slips and Falls)
- Premises Coverage for owners or home businesses
- Reputational Harm (libel or slander)
- Personal and Advertising Injury
Must have Professional Liability to apply for General Liability
For our General Liability clients, our Commercial Property product provides coverage for:
- Building and Business Personal Property coverage
- Business Income and Extra Expense coverage
- Tenant Glass and Sign coverage
The Inland Marine Program is designed to offer Mobile Property and Electronic Data Processing (EDP) coverage to our General Liability clients.
- Written with a highly rated carrier
- Competitively priced
- Available in all US states
Also Available:
- General Liability
- Business Property (includes Contents Coverage)
Must have Professional Liability to apply for General Liability
Ready to Apply?
Submit completed applications to info@brownyard.com
Questions?
Call Kathy Lopez at 631-666-5050 ext. 162 for more information about this program
*Commercial Property – Requires ACORD forms 125 & 140
Inland Marine – Requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
Eligibility Map
Key:
- Eligible States
- Ineligible States
FAQs - Questions About Beauty Salons & Spas Insurance
Please submit or ask your agent or broker to submit the completed required information as soon as you can. We can usually have a quote for you within a few days.
- For General & Professional Liability: Completed, signed SASSI application
- For Property and Inland Marine: Completed, signed ACORD applications (125 and 140)
- Three-year loss run information
- We require the original, signed application to bind coverage
There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We simply require them to submit the following documents to info@brownyard.com:
- W-9 Form
- Agency/Broker License
- Proof of Errors & Omissions (E&O) Insurance – Certificate or Dec Page
- Proof of Fidelity (Crime) Insurance – Certificate or Dec Page
SASSI® beauty salons & spas insurance is available in all U.S. states, except Alaska, Hawaii, Virginia and Washington.
We can provide limits as high as $6,000,000.
Yes. Our professional liability policies are subject to minimum premiums as follows:
- $325 minimum premium ($1 mil/$1 mil limit)
Professional Liability including: Laser Treatments, Skin Care Treatments (Facials, Chemical Peels, Microdermabrasion), Makeup Application, Massage Therapy, Electrology, Hairdressing, Permanent Waving, Hair Weaving, Hair Dying, Nail Care Services, Aromatherapy Service, Full Body Massaging, Body Wrapping, Spray Tanning, Exfoliation, Reflexology, Skin Care (AHA Acids), Esthetic & Slenderizing Services, and Waxing.
EXCLUSIONS: Tanning Beds, Body Piercing, Permanent Makeup, Tattooing, Mole Removal, Sclerotherapy (vein treatments) Microblading, and Botox (fillers).
Yes, we do provide coverage for an independent contractor.
Yes, if required by your state.
Yes, we cover start-up businesses.
We will provide coverage for hair weaving and extensions only.
Yes, we can provide either Products Liability ONLY or General Liability which includes products liability. We can write this coverage through our Foundation program in all states.
Call Teri Pereira at 631-666-5050 x 118 for more details.
Yes. See the SASSI Core Coverages section for more details.
We only write our program through the very best carriers that have ratings of A+ (“Superior”) or better.
Our SASSI insurance for beauty salons & spas program is admitted in all states in which we write.
The coverages we offer through our program are not only very broad, but very reasonably priced.