Overview — A.I.I. Insurance Brokerage of MA: Beauty/Barber Shop Insurance
A.I.I. Insurance Brokerage of MA offers a specialty Excess & Surplus Lines program for beauty and barber shops in CT, MA, NH and RI. This program gives independent agents access to multiple non-admitted carriers that underwrite salon, barber, spa and tanning risks that may be difficult to place in the admitted market. Use this market when your client needs tailored liability, property or professional coverage beyond standard package options.
Ideal Accounts and Appetite
The program is designed for small to mid-size single-location and modest multi-location operations that provide:
- Hair salons and barber shops
- Nail salons and manicure/pedicure studios
- Day spas and esthetician services (waxing, facials)
- Tanning salons and shops with limited tanning equipment
- Mobile stylists and small event stylists (on a case-by-case basis)
Accounts that usually fit: established businesses with documented procedures, reasonable loss history, and standard professional services. This E&S program is best when admitted markets decline coverage, request higher limits, or require specialized endorsements (for example tanning liability or professional liability layers).
Coverage Highlights
The program includes a flexible set of coverages agents can package to fit client exposures:
- Commercial General Liability (CGL)
- Professional Liability (errors & omissions for cosmetologists, estheticians)
- Business Income / Extra Expense
- Real and Business Personal Property
- Equipment Breakdown (covering critical salon equipment)
- Tanning Liability (specific coverage for tanning operations and equipment)
- Umbrella/Excess Liability to increase limits
- Additional on a case-by-case basis through various non-admitted carriers
Underwriting Notes and Minimum Premiums
Underwriting focuses on the applicant’s services, experience, facility condition, maintenance of equipment (especially tanning beds), and claims history. Typical submission info includes a completed application, ACORD forms, current loss runs, a description of services provided, payroll/receipts, and lease or property details when applicable.
This is an Excess & Surplus Lines placement (non-admitted). Minimum premium varies by carrier and risk characteristics; many accounts will be subject to program minimums and underwriting discretion.
Territories and Availability
This program is available only in: CT, MA, NH and RI. Because these are non-admitted placements, state filing and premium tax rules for E&S business apply — check your jurisdictional requirements before binding.
Why Work With A.I.I. Insurance Brokerage of MA on This Business
As an experienced Excess & Surplus Lines broker, A.I.I. Insurance Brokerage of MA provides access to various specialty carriers comfortable with salon and barber risks. The broker can help package liability, property and professional exposures, place tanning liability where needed, and provide umbrella capacity when limits from admitted markets are insufficient.
Example Accounts
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A three-chair barber shop that also operates one tanning booth and wants combined CGL, tanning liability, and equipment breakdown coverage.
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A full-service salon offering hair coloring, facials and waxing that needs professional liability plus business income protection after a covered loss.
For submissions, include a clear operations description and recent loss runs to speed review. A.I.I. will coordinate with carrier underwriters to identify the best available terms for each unique account.