PreferredVerified Q1 2026
Source: Carrier website and product data
Coterie Insurance: Beauty Salons & Spas Insurance Appetite
Coterie Insurance has strong appetite for beauty salons & spas accounts. Fully digital quoting and binding process – Coterie Insurance's platform is designed for fast turnaround on small beauty salons & spas 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 |
| Professional Liability (E&O) |
Premium Range
$1,500-$8,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Coterie Business Owner's Policy (BOP) covers beauty salons & spas operations with $10,000 Accounts Receivable, $5,000 Business Income from Dependent Properties, $10,000 Business Personal Property in Storage
- Coterie Insurance offers professional liability covering allergic reactions and treatment-related injury claims
- Coterie Insurance offers product liability for retail products sold in the salon
- Online quoting available – agents can get beauty salons & spas quotes without calling underwriting
Limitations
- No workers' compensation available – agents need a separate WC carrier for beauty salons & spas employees
- 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
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