Beauty Salons and Barber Shops

Expertise. Solution. Service.

MAXIMUM's Beauty Salons and Barber Shops program is a wholesale broker market designed for agents placing salon, barber and individual beauty professional risks. The program combines flexible limits, simple rating for professional services, and value-added business services to help you place accounts efficiently and competitively.

Ideal Accounts and Appetite

This program is best for independent salons, barber shops, and self-employed beauty professionals with annual revenues generally up to $3 million. MAXIMUM will consider single-location and small multi-location operations where exposures are limited to routine beauty and grooming services. Typical fits include:

• Neighborhood barber shops and full-service hair salons
• Salons that rent chairs or booths and engage independent operators
• Establishments offering waxing, nail services, styling, and incidental massage

Underwriting Notes — What Will Trigger a Decline

Underwriters will typically decline accounts with high-risk or specialized procedures that fall outside routine salon services. Key ineligibilities include:

• Locations in Alaska, Louisiana or West Virginia
• Hair removal by electrolysis and eyelash extension services
• Student-run operations and businesses manufacturing or selling products under their own label

Coverage Strengths and Practical Advantages

MAXIMUM’s program is structured to make placement straightforward for agents:

• No liability deductible — improves competitiveness for small business accounts.
• Professional liability included automatically for common salon services such as waxing and massages.
• Chair/booth renters are treated as named insureds on the salon’s professional liability — simplifies cover for shared-space arrangements.
• Rated by number of professional operators — easy quoting for mixed-staff models.
• Ability to consider limited ancillary exposures (up to four tanning beds, incidental massages) and new ventures.

Territories and Admitted Status

Availability: Most Available States. This program is available through MAXIMUM as a wholesale broker in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, WY. Check state-specific eligibility and coastal property guidelines for property limits.

Example Accounts

• You have a single-location hair salon with three stylists, offering color, cuts, waxing and occasional chair renters — this program can provide GL and professional liability with no deductible and treat the renters as named insureds.
• A neighborhood barber shop with one towing-owned vehicle exposure for product deliveries and revenues under $1 million — the program’s hired/non-owned auto limit and the GL/PL package can be a straightforward option.

Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.