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Day Spas and Salons

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Nails, beauty, massage, tanning, facials, manicures, pedicure and teeth whitening

The services offered by salons and day spas are quite personal. This makes them vulnerable to both positive and negative customer reactions.

Rueter Insurance helps salons and day spas maintain good customer relations by avoiding unnecessary claims and providing proper coverage at a competitive cost that assures the continuation of the businesses.

Essential coverages

  • Employee Dishonesty, third-parties
  • Personal Injury – Libel, Slander
  • General Liability for employed and sub-contracted professionals
  • Abuse and Molestation
  • Medical Payments, up to $2,500
  • Liquor Liability
  • Professional Liability
  • Employment Practices Liability, including third-parties
  • Business Income with extended period of indemnity
  • Cyber Liability / Data Breach
  • Food spoilage (if serving food items)
  • Child Care (if offering this service)
  • Property of customers/guests in your care/custody and control
  • Umbrella Liability
  • Workers’ Compensation

Critical issues

  • Injuries to customers and employees due to wet floors
  • Sexual abuse, molestation, and discrimination concerns
  • Licensed staff, if required
  • Background checks on prospective employees and independent contractors
  • Business disrupted by a loss and customers going elsewhere
  • Going out of business because of a loss such as a fire
  • Paying medical bills if an independent contractor is injured at work or has a long-term disability
  • Access to automatic defibrillators if there’s a medical emergency
  • Hazardous chemicals: workers must understand Workers’ Bill of Rights and safety regulations (OSHA is targeting nail salo­­ns for exposing workers to hazardous chemicals)
  • Proper classification of employees and independent contractors for Workers’ Compensation

Questions agents forget to ask

  • How quickly could you be up and running if there’s a loss such as a fire? Do you have a contingency plan ready should a loss shut you down for six months to a year? In such a circumstance, would you lose your customers?
  • Are your business income and extra expense limits sufficient? Do you have coverage for an extended period of protection, 180, 360, or 720 days?
  • Are your personnel employees or independent contractors? This could affect your Workers’ Compensation, General Liability and Professional Liability coverages.

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