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...rs Medical Testing Labs Beauty Salons Doctor Offices Perma... including medispas, tattoo parlors, beauty salons, and smoke/vape shops (reta...

...se. Solution. Service. MAXIMUM's Beauty Salons and Barber Shops program is a ...ere exposures are limited to routine beauty and grooming services. Typical fit...

...ialized liability coverage to the beauty industry for over 90 years. SASS...s://brownyard.com/insurance-programs/beauty-salon-insurance/ Why SASSI? Deep understanding of the beauty industry Quick & painless ...

... (Retail Sales) Class 10115 – Beauty Parlors and Hair Styling Salons (Reta...Yes, prohibited risks include barber/beauty schools, operations involving tatt...

...quipment fitness centers. Massage parlors, dance schools, and outpatient physi..., aerobics or dance studios, massage parlors, personal trainers, and physical ...

Workers Compensation Insurance Program from Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a streamlined Workers Compensation Insurance program tailored to meet the needs of small and mid-sized businesses. Backed by an "A" rated carrier, this in-house program provides agents and brokers with fast turnaround times and access to a wide range of class codes and industry types. Whether you're looking to place new business or find a better fit for an existing client, Veracity makes the process simple and efficient. Target Classes and Ideal Accounts This program is designed to serve a wide variety of low to moderate-risk industries. Target industries include: Retail Shops Office Professionals Automotive Service and Repair Hospitality Light Manufacturing Importers & Distributors Restaurants With over 185 eligible class codes, Veracity’s program is well-suited for agents handling diverse commercial accounts. For example, you might have a client that operates a chain of retail boutiques, or a small machine shop with light manufacturing needs—these are excellent prospects for this program. Coverage Highlights and Program Features Access to approximately 185 class codes Premiums up to $25,000 Experience Mods up to 1.20 accepted Maximum acceptable loss ratio: 50% The program is underwritten through RTW and offers admitted coverage in all available markets. This gives you the confidence of placing your clients with a highly rated, stable insurance provider. Submission Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed Accord Application 5-Year Current Valued Loss Runs 5-Year Premium Breakdown NCCI Worksheet Minimum Premium and Underwriting Notes The program requires a minimum premium of $500, making it accessible for smaller accounts that might otherwise struggle to find cost-effective workers comp coverage. The underwriting team evaluates accounts based on mod, loss history, and industry type, with a preference for clean, stable risks. Territorial Availability This Workers Compensation program is available in the following states: AK, AZ, AR, CO, CT, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NC, PA, SC, SD, TN, TX, UT, VA, WI. Why Choose Veracity Insurance Solutions? As a direct access provider and carrier with in-house underwriting capabilities, Veracity Insurance Solutions offers brokers the ability to place workers compensation with confidence. Our efficient quoting process, competitive pricing, and industry-focused appetite make us a smart choice for agents looking to grow their commercial book. If your client falls within our appetite, we can help you deliver the coverage they need—quickly and reliably. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include small to mid-sized businesses in retail, hospitality, office-based professions, light manufacturing, automotive repair, and food service. What is the minimum premium required for this program?The minimum premium for this program is $500, making it accessible for many small businesses. What documentation is needed to submit a risk?Required submission items include a completed Accord application, 5-year loss runs, 5-year premium breakdown, and an NCCI worksheet. Is this program available on an admitted basis?Yes, coverage is offered on an admitted basis in all available markets. How quickly can I expect a quote?Veracity Insurance Solutions is known for fast quote turnaround times, especially when complete submissions are provided. Need help placing an account? Connect with a market specialist.

..., and Tai Chi Studios Massage Parlors and Masseuses Physical Therapist... studios, personal trainers, massage parlors, and other health and wellness fa...

...ns, and Pubs Deli's and Pizza Parlors Take-Out Establishments Banq...afes, bars, taverns, caterers, pizza parlors, take-out locations, and BYOB est...

... gyms, personal trainers, massage parlors, dance studios, and physical therapi...raining gyms, dance studios, massage parlors, and physical therapy offices. Fa...

Cochrane & Company offers a focused Tattoo and Body Piercing Insurance program designed for the unique exposures of tattooing, permanent makeup and body piercing professionals. As a Managing General Agency with niche-market expertise, Cochrane & Company gives independent agents and brokers a streamlined way to place risks that require specialized underwriting and limits tailored to this industry. Ideal Accounts and Appetite This program is ideal for agents placing: Experienced tattoo artists with at least three years of verifiable experience or formal training certification Experienced body piercers with equivalent experience or training Apprentice artists and piercers who operate under qualified, documented supervision The program can accommodate single-operator shops up to multi-artist studios. Retail jewelry sales are acceptable when annual jewelry sales are under $25,000 and the location maintains a central station alarm system. Example accounts you might place with this program: A two-artist shop in Oregon where both artists have certification and the studio maintains a documented sterilization protocol. An apprentice working under a licensed mentor in Washington, with the shop’s overall exposures managed by the supervising artist. Coverage Highlights and Advantages Property Coverage: Available on Basic, Broad, or Special Form Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually Equipment breakdown coverage included automatically Optional Inland Marine coverage for mobile equipment or mobile artists Low minimum premiums to support independent operators and smaller studios General Liability and Professional Liability: $2,000,000 General Aggregate $1,000,000 Products/Completed Operations Aggregate $1,000,000 Personal and Advertising Injury $1,000,000 Each Occurrence $100,000 Damage to Rented Premises $5,000 Medical Payments $100,000/$300,000 Sexual/Physical Abuse coverage $100,000/$3,000 Assault and/or Battery coverage $1,000,000 Professional Liability Each Claim with a $2,000,000 Annual Aggregate Underwriting Notes and Minimum Premiums Underwriting emphasizes credentials and verifiable experience. Key considerations include artist certifications, documented infection-control procedures, supervisory arrangements for apprentices, and studio security. Theft coverage requires a central station alarm and limited jewelry revenue. Minimum premiums vary by state and risk characteristics; the program is structured to remain accessible for smaller operators while reflecting the risk profile of each account. Territories and Availability This program is available to agents and brokers placing business in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Coverage is written on a non-admitted basis, with carrier placement varying by individual risk characteristics. Why Work With Cochrane & Company? Cochrane & Company brings decades of MGA experience in niche markets. The firm combines responsive underwriting with program features tailored to tattoo and body piercing operations, giving agents access to flexible coverages and specialty limits not always available in the admitted market. Cochrane prioritizes clear risk guidelines and quick, practical responses to placement questions, which helps speed submissions and bind decisions for your clients. If you have clients in this niche—whether a single-artist studio, a multi-artist shop, or an apprentice under supervision—Cochrane & Company provides a reliable non-admitted market option designed for these exposures. For more information on our Tattoo and Body Piercing Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program targets tattoo and body piercing professionals with at least three years of experience or formal training, plus apprentices supervised by experienced mentors. Studios with limited jewelry sales and proper security systems also fit well. Is coverage available for new or apprentice artists?Yes. Apprentice artists are eligible when they operate under a mentor who has at least three years of experience or holds relevant certifications and the supervision is documented. What states is this program available in?Cochrane & Company offers this program in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Is the program admitted or non-admitted?This program is written on a non-admitted basis and placements are made with carriers appropriate to the specific risk profile. Are there coverage options for theft or equipment breakdown?Yes. Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually. Equipment breakdown coverage is included automatically. Need help placing an account? Connect with a market specialist.