Source: Carrier website and product data
Kinsale Capital: Beauty Salons & Spas Insurance Appetite
Kinsale Capital 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 |
| Professional Liability (E&O) |
Premium Range
$1,700-$9,600
Typical annual premium
Target States
All 50 states + DC
Key Features
- Small Business covers beauty salons & spas operations with ISO Occurrence coverage form, $10M excess capacity available through Excess Casualty Division
- Kinsale Capital provides professional liability covering allergic reactions and treatment-related injury claims
- Kinsale Capital 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 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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