Source: Carrier website and product data
Erie Insurance: Beauty Salons & Spas Insurance Appetite
Erie Insurance 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 |
Premium Range
$1,500-$8,000
Typical annual premium
Target States
12 states: DC, IL, IN, KY, MD, NC, NY, OH, PA, TN, VA, WV, WI
Key Features
- ErieSecure Business® covers beauty salons & spas operations with Guaranteed Replacement Cost (optional), Sewer or Drain Backup, Data Breach Response Expenses (add-on)
- Workers' comp for 3-15 employees with online quoting and pay-as-you-go billing
- Erie Insurance provides professional liability covering allergic reactions and treatment-related injury claims
- Erie Insurance provides product liability for retail products sold in the salon
- Online quoting available — agents can get beauty salons & spas quotes without calling underwriting
Limitations
- No professional liability (E&O) available — must be placed with a specialty carrier
- 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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