Frances Roberts Salon & Spa Insurance

Full-service, expert insurance coverage for the Salon and Spa industry.

As professionals in the beauty salon and spa industry, your insurance needs are unique -- you need the same general insurance coverage as other businesses, but you also must have special coverage that addresses the distinctive potential risks of providing hair, nail, skin and other beauty services. At Frances Roberts Salon and Spa Insurance, our experts focus on you and your unique insurance requirements so that your coverage is exactly what you need to protect yourself and your business.

For Salon Owners
A Salon Owner has the biggest potential risk in the salon and spa industry. Whether you lease or own your building, there are the many issues connected to the property. There are liability issues surrounding the safety of your clients and the services you supply, special requirements if you have employees, and more. Our experts at Frances Roberts will carefully analyze your business and craft your coverage to fit your specific needs.
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For Self-employed Stylists
When you work for yourself and rent space within a larger beauty salon or spa, your risks may be somewhat lessened but your need for insurance coverage is still vital. Personal property, general and professional liability, and business interruption are just a few of the protections you will need. The Frances Roberts experts will make sure that your coverage fits your exact situation so that you can be completely confident that you and your business are protected.
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Other Coverages
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For Salon Owners

As a Salon Owner, your insurance needs are far-reaching and vitally important. This checklist is provided as a quick way to review your potential needs with your Frances Roberts agent.

These Seven Major Coverages Are Available In A Single, Affordable Business Owner's Policy

PROPERTY INSURANCE
Covers the contents of the salon -- all the chairs, sinks, tanning beds, beauty products, office equipment, etc. If you lease the space, this covers any permanent improvements you've made. If you own the building, this also covers the structure itself.

GENERAL LIABILITY INSURANCE
Covers anyone who comes onto the property who is injured and you are sued -- slipping on hair on the floor or spilled color project, for example. Also covers you for Fire Legal Liability, in case a fire in your salon spreads and damages other property.

PROFESSIONAL LIABILITY INSURANCE
Covers you if someone is directly injured because of an error by you (or your staff), like burning a client's head with a hot iron, nipping an ear with a scissors, etc.

BUSINESS INTERRUPTION INSURANCE
Covers you in case of extended inability to carry on your business because of an external cause (water service interruption, fire, power outages, etc.)

HIRED AND UNOWNED AUTO INSURANCE
Covers you in case you or an employee drives a private auto on company business and gets into an accident and you get sued.

EQUIPMENT BREAKDOWN
Covers you if major equipment or appliances break down and are no longer operational.: hair dryers, air conditioners, laundry machines, computers

EMPLOYEE DISHONESTY
Covers losses if an employee steals from you and is convicted.

 
For Self-Employed Stylists

As a Self-Employed Stylist, your insurance needs are somewhat less than those of the owner of the salon in which you rent space, but you still need to be covered against specific risks. This checklist is provided as a quick way to review your potential needs with your Frances Roberts agent.

These Four Major Coverages Are Available In One Affordable Master Policy

PROPERTY INSURANCE
Covers the property you own independently: all of your hot tools, product inventory, scissors, etc.)

GENERAL LIABILITY INSURANCE
Covers you in case someone is injured and you caused the injury--if you spilled the product that caused a slip and fall,for example.

PROFESSIONAL LIABILITY INSURANCE
Covers you if someone is directly injured because of an error by you, like burning a client's head with a hot iron, nipping an ear with a scissors, etc.

BUSINESS INTERRUPTION INSURANCE
Covers you in case of extended inability to carry on your business because of an external cause (water service interruption, fire, power outages, etc.)

 
Other Coverages

DISABILITY INCOME INSURANCE
Income protection for you, your business, and your family in case a disability makes it impossible to work and collect a regular paycheck.

HEALTH INSURANCE
Options for major medical coverage through an individual policy, Health Savings Accounts (HSA) are often recommended to salon professionals. Health Savings Account.

LIFE INSURANCE
In the event of your untimely passing, life insurance can help meet your outstanding financial obligations that might include funeral expenses, medical bills, mortgages, business promises, current or future college expenses for your children,etc.

UMBRELLA POLICY
Covers liability above and beyond your current limits