CNA: Beauty Salons & Spas Insurance Appetite

CNA writes beauty salons & spas at standard terms for clean accounts. 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

$1,700-$9,600

Typical annual premium

Target States

All 50 states + DC

Key Features

CNA Connect covers beauty salons & spas operations with Business Income and Extra Expense (12-month Actual Loss Sustained), Equipment Breakdown (up to Building and BPP limits), Accounts Receivable ($25,000)
Workers' comp for 3-15 employees with online quoting and pay-as-you-go billing
CNA provides professional liability covering allergic reactions and treatment-related injury claims
CNA provides product liability for retail products sold in the salon
Online quoting available – agents can get beauty salons & spas quotes without calling underwriting

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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