Source: Carrier website and product data
Auto-Owners Insurance: Beauty Salons & Spas Insurance Appetite
Auto-Owners Insurance explicitly targets service businesses (barber shops, gas stations, etc.) as a focus segment. Many stylists are independent contractors — confirm employment status before quoting workers' comp
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Professional Liability (E&O) |
Premium Range
$1,500-$8,000
Typical annual premium
Target States
26 states (Midwest, Southeast, Mid-Atlantic)
Key Features
- Contractor Insurance covers beauty salons & spas operations with Package Discount, Waiver of Subrogation (at no additional cost), Contractors Errors & Omissions
- Workers' comp for 3-15 employees with experience mod-based pricing
- Auto-Owners Insurance offers professional liability covering allergic reactions and treatment-related injury claims
- Auto-Owners Insurance offers product liability for retail products sold in the salon
Limitations
- Medical aesthetic procedures (Botox, fillers, laser treatments) require medical professional liability — not covered under salon E&O
- Tanning bed operations may be excluded or separately rated due to burn injury exposure
- Independent contractor stylists may not be covered under the salon's GL without specific endorsement
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