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Health and Beauty

A nail salon recently paid $300,000 in a settlement after one of its technicians injured a woman while giving her a pedicure, causing an infection that required her to go to the emergency room.

While beauty-focused operations already face inherent exposures, new services are constantly emerging, and salons are adding new treatments to keep pace. However, some services can be risky, such as vampire facials, micro-blading, chemical peels and laser hair removal. Health facilities are also under pressure to make new offerings available, from cryotherapy to CrossFit to goat yoga. Facilities often begin providing new services without notifying their brokers, leaving them exposed to significant losses.

Burns & Wilcox can package Health and Beauty Coverage to ensure your clients have proper protection, whether they offer the latest, trending treatments or traditional services.

Coverage Details and Features

  • General Liability including Products/Completed Operations Coverage
    • Medical payments coverage available
  • Professional Liability (combined limit or separate limits)
  • Sexual and physical abuse coverage available
  • Non-owned and hired automobile
  • Building and contents
    • Property coverage for signs available
  • Equipment breakdown coverage available
  • Loss of income
  • Cyber and Privacy Coverage available
  • Blanket additional insured endorsement
  • Club members as additional insureds

Target Classes

(including but not limited to)

  • Beauty Salons
  • Medispas
  • Barber Shops
  • Spas
  • Exercise Facilities
  • Health Facilities
  • Medical Equipment Supply Stores
  • Weight Loss Retreats
  • Yoga and Pilates Retreats
  • Kids Triathlon Training
  • Mobile Units
  • Tanning Salons

Applications for this product may vary. Please click below to find the office nearest to you for assistance.

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