Source: Carrier website and product data
Chubb: Beauty Salons & Spas Insurance Appetite
Chubb can write beauty salons & spas accounts but this is not a focus segment – best used when the account has other lines already placed with Chubb or when primary markets have declined. Chubb's underwriting targets well-established beauty salons & spas businesses with strong financials and clean loss history. Premium reflects broader coverage and higher carrier financial strength. 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 |
Premium Range
$2,700-$12,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Chubb Business Owner’s Policy (BOP) covers beauty salons & spas operations with Property enhancements (automatic blanket limit), Liability enhancements (broad named insured, blanket additional insureds), Privacy and data breach
- Chubb provides professional liability covering allergic reactions and treatment-related injury claims
- Chubb provides product liability for retail products sold in the salon
- Online quoting available – agents can get beauty salons & spas quotes without calling underwriting
Limitations
- Beauty Salons & Spas is not a target class for Chubb – expect longer underwriting timelines and less flexible eligibility
- No workers' compensation available – agents need a separate WC carrier for beauty salons & spas employees
- No professional liability (E&O) available – must be placed with a specialty carrier
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