Source: Carrier website and product data
The Hanover: Beauty Salons & Spas Insurance Appetite
The Hanover can write beauty salons & spas accounts but this is not a focus segment — best used when the account has other lines already placed with The Hanover or when primary markets have declined. 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
$2,200-$9,600
Typical annual premium
Target States
All 50 states
Key Features
- Business Owner's Advantage (BOA) covers beauty salons & spas operations with Loss of income and extra expense, Data breach coverage, Property insurance
- Workers' comp for 3-15 employees with online quoting and pay-as-you-go billing
- The Hanover provides professional liability covering allergic reactions and treatment-related injury claims
- The Hanover 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 The Hanover — expect longer underwriting timelines and less flexible eligibility
- 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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