Ohio Hair Salon & Stylist E&O Insurance, Indiana Hair Stylist & Salon Liability Insurance

We offer state admitted Stylist Liability Insurance to the entire State of Ohio & Indiana.  You don't have to buy unauthorized insurance from a broker in some far away state any longer! 

I'm a directly appointed local independent insurance agent with offices in Cleveland, Ohio and serving customers across entire state of Ohio and Indiana.  I'm a private investigator by trade, and got started in insurance out of frustration with the industry. Now I help small business owners in specialized areas such as Ohio Hair Stylist Insurance find the best insurance coverage without the membership fees, without broker fees, and without interest, I take the frustration out of insurance.  Read about my story at http://www.linkedin.com/in/Pavarini.


ELIGIBLE SERVICES
• Cosmetologists  • Barbers  • Booth rentals  • Independent contractors  • Massage therapists  • Tanning salons (including spray-on and airbrush)  • Estheticians  • Electrologists  • Beauty schools  • Manicurists  

REQUIREMENTS
• Must be graduates of an accredited school.  • Must meet all/any guidelines for training.  • If licensing is required, must be licensed by the jurisdiction in which they operate.

INELIGIBLE SERVICES
• Acupuncture, Botox, cellulite reduction, laser equipment   • Permanent cosmetic services, tattooing, body piercing (other than ear lobe)  • Medical advice and services

LIABILITY COVERAGES AVAILABLE
• General Liability available $1,000,000/$3,000,000 occurrence/aggregate. • Premises & Operations  • Products & Completed Operations  • Personal & Advertising Injury • Professional Liability Coverage  • Medical Payments – $10,000 limit, incl students  • Damage to Premises Rented to You (Fire Legal) $200,000 limit  • Employees & Volunteers as Automatic Insureds  • Defense cost outside the limits  • Cancer/Long-Term Skin Damage is included at policy limits  • Professional License Review - $2,500 per review/$5,000 aggregate  • Coverage for Independent Contractors  • Employee Benefit Liability limits available up to $1,000,000/$1,000,000.

PROPERTY COVERAGES AVAILABLE
• Covering Buildings & Contents  • Special Causes of Loss  • Written as RCV; ACV available  • Automatic Increase on Building Value at 4%  • Equipment Breakdown/malfunction

OTHER COVERAGES AVAILABLE
Business Income  • Communicable Disease/Water Borne Pathogen  • Computers & Media • Spoilage • Employee Theft Fine Arts  • Forgery and Alteration • Money and Securities • Ordinance or Law Coverage

CONTACT US TO APPLY