FAQs

Often yes. General liability typically covers things like a client slip-and-fall, while professional liability responds to claims tied to the service itself, such as a chemical treatment. Many salons ...

Usually. Booth renters are often treated as separate businesses, and your policy may not cover them. It is common to require renters to carry their own coverage. ...

That is common. Many shops layer on professional liability, cyber, or trade-specific coverage on top of a BOP. We can walk through what your operation may need. ...

Usually not. Standard property policies and BOPs generally exclude earthquake, so it is typically arranged separately in California.

In California, coverage is generally required as soon as you have any employees, even part-time ones.

Often yes. A BOP typically still covers your build-out, fixtures, inventory, and liability even when you do not own the building. Your lease may also require certain coverage. ...

Cyber coverage may respond to breaches and certain funds-transfer fraud, though terms and sublimits vary and are worth reviewing.

In California, workers’ comp is generally required once you have any employees, including part-time staff.

It is not always separately mandated, but lenders and business partners often require it, and it responds to claims that a surety bond does not.

No. A surety bond is typically required for licensing and protects borrowers and the state, while E&O and other policies protect your business. Most brokers carry both. ...