Salon
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BUSINESS OWNER’S POLICY
Most small barber shops and beauty salons purchase a Business Owner’s Policy (BOP). It can help protect your business in much the same way that a homeowners policy helps protect your home and personal possessions. The Hartford’s Business Owner’s Policy includes:
- Business Property insurance to help protect the property you own, lease or rent. • Business Liability coverage to help protect your business in the event it is responsible for causing harm to a person and/or damage to property. • Business Income coverage to help protect lost income when a business is forced to close due to direct physical loss or damage to its premises resulting from a covered cause of loss
WORKERS’ COMPENSATION
For a small business like yours, one employee’s absence can be felt by the whole team. It’s why, for over a century, The Hartford’s workers’ comp program has set the standard for injured worker care, helping employees quickly return to health and productivity. The Hartford also offers XactPay,3 which allows you to pay your workers’ comp policy premiums based on actual payroll instead of last year’s headcount, helping to manage your cash flow.
EXAMPLES OF OPTIONAL COVERAGES SALONS or BARBER SHOPOS LIKE YOURS OFTEN BUY
In addition to among the most robust liability and property coverages available, The Hartford also offers a wide range of optional coverages that can help tailor your insurance program. Coverage is available to help protect your business if: Professional Liability. You’re sued by a client claiming you did not cut her hair in the style she requested, causing her to lose a job opportunity. Data Breach. Sensitive personal information (e.g., Social security numbers, bank account information) you collect or store on your employees/clients is lost or stolen. Tenant’s Legal Liability. Your landlord sues you because of damage you cause to the property you rent or to a neighboring tenant’s property from something as small as a clogged drain for instance.
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