Ideal Accounts and Target Classes
This program targets small to mid-sized businesses in the beauty and personal care space. Appetite includes, but is not limited to:
- Beauticians and barbers
- Manicurists and nail technicians
- Electrologists
- Massage therapists
- Eyelash extension and enhancement professionals
- Waxing and hair removal services
- Tanning salons
- Permanent makeup and cosmetic tattoo providers
If your client operates a multi-service salon or a stand-alone barber shop, this program is structured to offer the core protections they need while keeping placement simple for you.
Coverage Highlights
The Beauty Salon / Barber Shop Insurance package is built to address the common exposures for personal care providers and typically includes:
- Professional Liability: $1,000,000 per occurrence / $2,000,000 aggregate
- General Liability: $1,000,000 per occurrence / $2,000,000 aggregate
- Property Coverage: limits up to $500,000
Policies are placed on a non-admitted basis through Underwriters at Lloyd’s, London, giving you access to flexible coverage forms and broader capacity for risks that may be challenging for admitted markets.
Underwriting Requirements and Minimum Premium
Required paperwork for submissions:
- Professional Liability Application – BPL411
- ACORD applications for General Liability and Property
The program has a minimum premium starting at $500, making it practical for smaller shops and independent practitioners. Underwriting will consider factors such as services offered, employee licensing, sanitation protocols, prior loss history, and annual revenue when quoting.
Typical Appetite & Restrictions
This program favors routine beauty and grooming operations without high-severity exposures. Accounts offering standard salon services, supervised massage therapy, or cosmetic applications are a good fit. Accounts with significant prior professional liability losses, unlicensed operators, or unusually high-risk procedures may require additional review or alternate placement.
Territories and Availability
Available in most U.S. states, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, 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, WV, WI, and WY.
Coverage is written on a non-admitted basis; check state eligibility and filing requirements for specific placements.
Why Work With RPS NIPC?
RPS NIPC specializes in niche beauty and personal care markets. Our underwriting team understands the unique exposures of salons and barber shops and can structure solutions for accounts that don’t fit standard admitted markets. Key strengths:
- Access to Lloyd’s of London capacity for flexible terms
- Streamlined submission process aimed at fast quoting
- Experience placing hard-to-place or non-standard personal care risks
Whether a client is opening a new salon, adding services like eyelash enhancements or permanent cosmetics, or seeking better coverage for an existing shop, RPS NIPC is positioned to help you deliver a practical solution.
Example account scenarios
- You have a small boutique salon offering hair, nails, and waxing that needs combined professional and general liability with property coverage for equipment and stock — the minimum premium and Lloyd’s capacity make this program a good option.
- You represent a barber shop expanding into eyelash extensions and tinting — the program can package professional liability with general liability to cover both service and premises exposures.
To learn more about our Beauty Services Insurance program, visit our website.