What type of Insurance Is Necessary for a Beauty Salon?

It depends on a number of factors including whether or not you lease or own the building in which your beauty salon is located. Also what type of services do you provide? A typical beauty salon may offer only styling, cutting, coloring, hair trimming an application of “Perms.” Other beauty salons may also offer manicures, cosmetic consulting, massage, tanning and permanent hair removal. So depending upon the services you offer will dictate what insurance is best for your beauty salon.

Specific Insurance for Beauty Salons That May Be Purchased

• General Liability Insurance For Beauty Salons – Coverage for injuries or property damage to customers.
• Products Liability Insurance For Beauty Salons – If you sell products to customers this coverage is a must.
• Professional Liability Insurance for Beauty Salons – If you are held liable because of a bad haircut, perm, or the transmission of disease, or lice!
• Crime Coverage for Beauty Salons – Coverage that protects your business from a variety of criminal activity and may include employee theft.
• Inland Marine – This coverage provides off premises coverage for your beauty salon equipment.
• Group Health Insurance for Beauty Salons – Independent contractors would not be eligible for group health insurance, but employees of your beauty salon would be eligible. Offering group health insurance in Ohio to retain valuable personnel makes good business sense in most instances. Click here for more information about group health insurance in Cincinnati.
• Group Disability and Life Insurance – Group disability insurance and group life insurance in Cincinnati is employee benefit that can help you to retain key employees.

Call 513-662-7000 for the Best Rates on Beauty Salon Insurance in Ohio

Call 513-662-7000 as we offer excellent rates on health insurance in Ohio, Kentucky, and Indiana. Health insurance quotes are also available in all 50 states by clicking here.

There Are Three Types of Health Insurance Policies

Group Health Insurance – This is typically provided by your employer. Click here to learn more information about Group Health Insurance in Cincinnati. We offer group health insurance in Cincinnati From every major carrier available.

Short Term Health Insurance– Short term health insurance policies are purchased individually and as the name implies they are meant to cover only a short interim period of time, typically from 1 to 12 months. Pre-existing conditions are not covered by a short-term health insurance policy. Call 513-662-7000 to receive a short-term health insurance quote in Cincinnati.

Individual Health Insurance– Individual health insurance policies can be purchased as individuals to cover a lack of employer provided group health insurance, or perhaps you own a small business and do not offer group insurance for your employees.

Can I Be Turned down for Individual Health Insurance Because Of Pre-Existing Medical Conditions?

Due to changes in the new health care law insurance companies are no longer able to decline someone due to a pre-existing health condition on individual health insurance policies.

Is an Individual Health Insurance Policy the Same As a Group Health Insurance Policy?

Individual health insurance policies with some companies may mimic features and benefits of group health insurance policies.

Other individual health insurance policies such as the HSA health insurance plan, offer the lowest prices on health insurance in Cincinnati but they come with high deductibles, no prescription card and doctor co-pay office visit coverage is not available.

If You Need Health Insurance in Cincinnati Contact Pathway Insurance at 513-662-7000.