https://completemarkets.com/company/maximum/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.
Available Limits:
• General and professional liability limits up to $1 million/$2 million
• Property limits up to $3 million (subject to coastal guidelines)
• Hired and non-owned auto up to $1 million
• Excess/umbrella up to $5 million
Preferred Business:
• Risks with revenues up to $3 million
• Eligible classes include, but are not limited to:
• Barber shops
• Independent contractor beauticians/barbers/manicurists/massage therapists
• Beauty parlors and hair styling salons
Ineligible Risk Characteristics:
• Located in AK, LA, or WV
• Hair removal by electrolysis
• Eyelash extensions
• Student operators
• Products sold under the applicant’s own name or label
Product Advantages:
• No liability deductible
• Rated on the number of professional operators
• Automatically includes professional liability for services such as waxing and massages
• Chair or booth renters are considered named insureds under the salon’s professional liability
• No designated premise restriction
• Ability to consider:
• Up to 4 tanning beds
• Incidental massage services
• New ventures
• Access to Business Solution Vendors, including:
• Human Resources services
• Pre-employment and tenant screenings
• Identity Theft protection
• Marketing resources
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.
Frequently Asked Questions
What types of salon and barber risks are a good fit for MAXIMUM’s program?Small to mid-sized salons and barber shops with routine services (cuts, color, waxing, nails, incidental massage) and revenues generally up to $3 million. Chair or booth rental arrangements and new ventures are also considered.
Are professional liability and chair renters covered?Yes. Professional liability for common services (including waxing and massage) is included automatically, and chair or booth renters can be listed as named insureds under the salon’s professional liability.
Which exposures are ineligible under this program?The program excludes locations in AK, LA, and WV, as well as operations offering electrolysis, eyelash extensions, student-run shops, or businesses that manufacture and sell products under their own label.
What are the primary limits available and important underwriting considerations?Typical limits include GL/PL up to $1M/$2M, property up to $3M (with coastal restrictions), hired/non-owned auto up to $1M, and umbrella up to $5M. Policies are rated by number of professional operators; property coastal guidelines and state availability may affect acceptance and limits.
Need help placing an account? Connect with a market specialist.