FAQs

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.

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.