Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Barber Shop Insurance program designed for independent insurance agents and brokers looking to place barber-related risks. Whether your client owns a single-chair barber shop or operates a full-service grooming business, this program provides tailored coverage options to help protect their property, operations, and liability exposures.
Ideal Accounts and Appetite
This program is an excellent fit for a wide range of grooming and personal care businesses, including:
- Traditional barber shops
- Independent barber operators
- Manicurists and nail technicians
- Masseuses and spa professionals
- Ear piercing and facial services
- Beauty makeover specialists
Accounts with clean loss histories and professional operations are ideal candidates. The program also accommodates individual professionals working as independent contractors or within larger businesses.
Coverage Highlights and Advantages
Property Coverage
Property insurance is available on a mono-line or package basis and includes options such as:
- Basic, Broad, or Special Form coverage
- Building and Contents coverage
- Business Income coverage
- Equipment Breakdown
- Computer Equipment
- Inland Marine
- Outside Signs
- Accounts Receivable and Valuable Papers
- Replacement Cost or Actual Cash Value options
General Liability
- Primary limits up to $3 million occurrence/aggregate
- Included Errors and Omissions coverage at policy limits
- Independent contractors included as additional insureds
- Hired and Non-Owned Auto liability
- Sexual and/or Physical Abuse coverage: $50,000 per claim/$100,000 aggregate (higher limits available)
- Medical Payments: $5,000 limit
- Excess or Umbrella limits available up to $25 million
- No deductible required
Crime Coverage
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes
Colonial General works with a variety of carriers to provide flexible options based on risk characteristics. While some admitted markets are available, availability may vary by state and account type. Submission requirements are streamlined for ease of quoting.
Territories and Availability
This program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep experience placing niche service business risks. They understand the unique exposures of barber shops and personal grooming professionals, and they provide tailored insurance solutions to help you serve your clients better. Their access to both admitted and non-admitted markets allows for flexibility in coverage design, while their regional focus ensures market familiarity and responsiveness.
Whether you're working with a small-town barber or a multi-operator grooming salon, Colonial General can help you find the right fit for your client's insurance needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for barber shops, independent barbers, manicurists, masseuses, and similar personal grooming professionals.
Can individual operators be covered under this program?
Yes, coverage is available for individual operators, including independent contractors, with options to include them as additional insureds.
Is this program available on an admitted basis?
Some admitted markets are available; availability depends on the specific account and state.
What states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are higher limits available for abuse and molestation coverage?
Yes, higher limits are available beyond the base $50,000 per claim/$100,000 aggregate limits upon request.
Need help placing an account? Connect with a market specialist.