FAQs

Business interruption coverage is designed to help replace lost income when a covered event forces you to close. Whether a specific event is covered depends on your policy terms. ...

It is coverage designed for customers’ property in your care, custody, and control, such as garments left for cleaning. Standard property coverage typically applies to your own property, not ...

Often yes. Even without solvents, laundromats face slip-and-fall, water, and equipment exposures, and workers’ comp applies once you have any employees.

Cleaning solvents like perc create an environmental exposure that standard property and liability policies often exclude. Pollution coverage is typically how that risk is addressed, though terms vary by ...

In California, workers’ comp is generally required as soon as you have any employees, so an employed barber would typically trigger it.

A claim tied to a nick or cut is typically what professional liability is meant to address, though coverage depends on your policy terms. We can review the details ...

Usually. Independent barbers renting a chair are often treated as separate businesses, and your coverage may not extend to them, so many shops require renters to carry their own. ...

That is typically what professional liability is designed to address. Coverage depends on your policy terms, so it is worth reviewing the specifics with us.

General liability typically covers storefront risks like a customer slip-and-fall, while professional liability responds to claims tied to the service, such as a nick or cut. Many shops carry ...

In California, workers’ comp is generally required as soon as you have any employees, even part-time.