Day Spa insurance provides coverage for the unique risks and liabilities associated with the beauty industry. Our policies include professional & general liability coverage with additional optional coverages to customize coverage based on clients’ business needs.

Yes, they can be. If they are employees of the insured, they should have them covered under their policy. If they are independent contractors who are working under your client’s business name, then we can also include them. If they are working under a different business name, then they will need to obtain their own coverage and name your client as an additional insured.

The cost of day spa insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy. Here are some key factors that influence the cost of day spa insurance:

1. Size and scope of business – The size of the business, whether your client has a shop or they are an individual technician can impact the insurance cost. Larger risks with more technicians and offer more services may have higher premiums due to an increased risk and liability associated with more customers coming into the shop.

2. Type of service – Some services are more invasive than others which create more long-term problems if a claim were to arise. Therefore, the type of services being performed may impact the insurance cost.

3. Claims history – Insurance companies consider the claims history of your client’s business when determining the cost of coverage. If they have a history of claims, it may result in higher premiums.

4. Safety measures and risk management practices – Insurance providers assess the safety measures and risk management practices implemented by your client’s business. Having robust safety protocols, ensuring technicians are properly trained for all services being performed and regular maintenance practices can help lower insurance costs by reducing the likelihood of accidents and claims.

Yes, day spa insurance policies typically have exclusions or limitations that outline specific situation or circumstances where coverage may not apply or may be limited. These exclusions and limitation can vary depending on the services being provided.

It’s important to carefully review the insurance quote and policy and understand the exclusions and limitation that may apply.

We prefer you complete PPIB’s application for us to provide accurate terms. Since we have customizable coverage to offer your clients, we have specific questions we need answered. Therefore, we have created a specific application to obtain all the information we need to provide an accurate quote for your clients. Acord applications and other supplemental applications are missing many of the important questions to help obtain critical information to determine accurate terms. This is why we prefer our Body Art/Salon application to be completed to obtain a quote. We want to make sure the quote we are providing has the most accurate terms for you to bring to your client.

Once you have a completed application email the application to submissions@ppibcorp.com

To become appointed, we will need a copy of your Agency’s license, copy of declarations page or certificate of insurance of Agency’s E&O, signed & dated Broker Agreement and W9. Please click here to access our Broker Agreement.

No, we can offer you a quote without you being officially appointed, but we will need to have you appointed in order to bind.

A list of the binding requirements will be provided on the quote, in a section on the last page of the letter, advising what is needed in order to bind coverage.submissions@ppibcorp.com

Our carriers require us by contract to file all surplus lines taxes. However, brokers with Surplus Lines Licenses may be able to file taxes.