FAQS

Frequently Asked Questions

1. How do we apply for coverage?
2. What services are covered under your program?
3. In what states is the coverage available?
4. What information is required for a quote?
5. What are your carriers ratings?
6. Is your Program admitted?
7. Are your rates competitive?
8. Do you offer coverage for an Independent Contractor?
9. Do I have to be licensed?
10. I am starting a new salon in my town, do you cover start-up businesses?
11. Do you provide professional liability for a hair salon that does hair replacements?
12. Do you provide general liability and products liability for cosmetic manufacturers and distributors?

Answers to Frequently Asked Questions

1. How do we apply for coverage?
   A: It’s easy! Just email, fax or mail the completed required information as soon as you can.
   We can usually have a quote for you within a few days.
2. What services are covered under your program?
   A: “Professional Liability including: Laser Treatments, Skin Care Treatments (Facials, Chemical Peels, Microdermabrasion), Makeup Application, Massage Therapy, Electrology, Hairdressing, Permanent Waving, Hair Weaving, Hair Dying, Nail Care Services, Aromatherapy Service, Full Body Massaging, Body Wrapping, Spray Tanning, Exfoliation, Reflexology, Skin Care (AHA Acids), Esthetic & Slenderizing Services, and Waxing
   EXCLUSIONS: Tanning Beds, Body Piercing, Permanent Makeup, Tattooing, Light Therapy, Microblading, and Botox (fillers)
3. In what states is the coverage available?
   A: All U.S. states, except Alaska, Hawaii, Virginia and Washington.
4. “What information is required for a quote?
   A: A completed, signed application.
   NOTE: Although there is no original signature required to quote, we will need the signed, original application to BIND coverages.
5. What are your carriers ratings?
   A: We only write our program through the very best carriers that have ratings of at least “Superior” or better.
6. Is your Program admitted?
   A: Yes, our program is admitted in all states.
7. Are your rates competitive?
   A: The coverages we offer through our program are not only very broad, but very reasonably priced.
8. Do you offer coverage for an Independent Contractor?
   A: Yes, we do provide coverage for an independent contractor.
9. Do I have to be licensed?
   A: Yes, if required by your state.
10. I am starting a new salon in my town, do you cover start-up businesses?
    A: Yes, we cover start-up businesses.
11. Do you provide professional liability for a hair salon that does hair replacements?
    A: We will provide coverage for hair weaving only.
12. Do you provide general liability and products liability for cosmetic manufacturers and distributors?
    A: Yes, we can provide both general liability which includes products liability or products liability coverage by itself.  We can write this coverage through our Foundation program in all states. Call 888-823-9380 for more details