Source: Carrier website and product data
GUARD Insurance: Beauty Salons & Spas Insurance Appetite
GUARD 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
All 50 states + DC
Key Features
- Businessowner’s Policy (BOP) covers beauty salons & spas operations with Property, General Liability
- Workers' comp for 3-15 employees with online quoting and pay-as-you-go billing
- GUARD Insurance provides professional liability covering allergic reactions and treatment-related injury claims
- GUARD 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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