Ideal Accounts and Appetite
This program is designed for businesses operating in the beauty and grooming sector, including:
- Hair and barber shops
- Beauty salons and day spas
- Cosmetology and barber schools
- Nail salons
- Retailers of salon and barber supplies
Whether you’re working with a small neighborhood barbershop or a multi-chair salon with spa services, this program offers flexible solutions to help protect your clients from a range of risks.
Coverage Highlights and Advantages
We offer comprehensive coverage packages that include essential protections tailored to this industry. Available coverages include:
- Commercial General Liability (CGL/GL)
- Property Coverage (Real & Business Personal Property)
- Business Income and Business Interruption
- Theft and Fire Protection
- Glass Coverage
Our program is built to respond to the unique exposures of beauty professionals—whether it’s protecting expensive salon equipment, covering income loss during a shutdown, or addressing liability from customer injuries or reactions to products or services.
Underwriting Notes and Minimum Premiums
We work with a variety of E&S markets to offer coverage on a non-admitted basis. Minimum premiums vary depending on the risk profile, class of business, and desired coverage limits. Our underwriters are experienced in evaluating these types of risks and can help you quickly assess fit and pricing.
Territories and Availability
This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. We focus on serving the Midwest region but can also assist with eligible accounts in select other licensed states.
Why Work With Advanced E&S Group?
Advanced E&S Group combines underwriting expertise with responsive service to help agents and brokers place hard-to-place or niche risks. Our team understands the insurance needs of the personal care industry and can offer creative solutions for accounts that may not qualify for standard markets. With access to multiple carriers and flexible package or monoline options, we make it easier for you to serve your beauty and salon clients with confidence.
You might have a client who runs a beauty school offering esthetics and cosmetology training, or a barber operating multiple locations—Advanced E&S can help you find the right coverage structure for those accounts.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include beauty salons, barbershops, nail salons, cosmetology schools, and beauty supply retailers.
Is this program admitted or non-admitted?
This program is written on a non-admitted basis through various excess and surplus lines carriers.
What states is the program available in?
The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI.
Can I place monoline coverage or does it require a package?
We offer both package and monoline coverage options depending on the needs of your client and carrier requirements.
What is the minimum premium for this program?
Minimum premiums vary based on the risk and coverage selected. Please contact us for specific underwriting guidelines.
Need help placing an account? Connect with a market specialist.