Give your Business an Advantage
CANADA'S
BEAUTY INSURANCE SPECIALIST
Professional brokers providing SMART policies for your profession.
July 9, 2020 COVID-19 Update – Appointments required to see a broker. For more information please click here to visit our COVID-19 Update.
COVERAGE
Our beauty insurance policy for your professional industry has broad coverages. We have raised the bar. Our insurance product is a boutique product made for beauty therapists.
SERVICE
Our brokerage is 100% client-driven. We are available 24/7. Beauty professionals trust us to be there when disasters strike. Our products offer a multitude of channels and options to work with us.
EXPERTISE
Our team of brokers has extensive knowledge in the industry, including over 100,000 policy years in providing coverage to small businesses. We stand at the forefront of offering insurance to beauty professionals for the last ten years.
PRICE
We understand that as a business owner, you are price sensitive. We always give you our best price every time. Insurance provides protection from an unnecessary risk to all estheticians, therapists, hair stylists, barbers, etc.
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Annual Premiums available
STARTING PREMIUMS
Offering coverage for individuals renting room/chairs to advanced medical spas.
INDIVIDUAL BEAUTICIAN
- 31 mth
Individual esthetician doing non-invasive procedures: mani-pedi, facials, waxing, hairstylist/barber, facials, teeth whitening, chemical peels, eyelash extensions, eyebrow tinting, makeup, sugaring, microdermabrasion and hundreds of other procedures.
INDIVIDUAL MEDI-SPA
- 56 mth
Individual beautician offering invasive services: micro-blading, fillers, laser hair removal, micro-needling, ombre and dozens of additional services.
SALON OR MEDI-SPA BUSINESS
- 79 mth
Business with a physical location or employees. Comprehensive coverage protecting your content, building improvements, loss of income, crime, liability and more.
COVERAGES
We offer a multitude of coverages & limits, however, our beauty insurance policies are always
driven by professional and general liability
PROFESSIONAL LIABILITY
Professional liability is a vital component of your insurance risk management product. A beautician or therapist must have some form of education or license. A hot towel facial could make a client pass out and fall as an example. These high standards expose you to claims stemming from the beauty services you provide.
COMMERCIAL GENERAL LIABILITY
Slips and falls can happen in any business. Unfortunately, the beauty industry is more prone to minor accidents. Imagine a client slipping after finishing a pedicure with wet feet. Things happen. These accidents could result in lawsuits. That is why commercial general liability insurance is imperative. Protect yourself and your business with an insurance advantage.
CONTENTS COVERAGE
Beauty technicians use a variety of equipment. Some machines that cost tens of thousands of dollars. Supplies and all specialized equipment are all susceptible. Plus, don’t forget about your retail inventory. Spa or Medi-spa businesses need additional coverage to protect their contents and equipment. Content coverage can be attached to your insurance policy. It will protect from theft, fire, water, etc. Insurance coverage with broad, comprehensive protection.
CLAIMS
Why is having a beauty professional insurance policy important to every esthetician and hair stylist
professional? Read more to find out.
01.
Property Coverage
Water, Water Everywhere
See how the neighbouring unit causes a Day Spa to be damaged and closed for a month during repairs.
02.
Professional Liability
It BURNS!!!
While rushing to complete a service, an esthetician misreads a client’s file causing a burn on their face due to an allergy
03.
Commercial General Liability
Downward Dog Hits Yoga Student
Dogs playing pool hit a yoga student on the head.
Frequently Asked Questions
Microblading Insurance is only $56.00 a month. This includes $2,000,000 professional liability and $2,000,000 commercial general liability coverages.
Hairstylist/Barber Professional Insurance Policies (including Mani/Pedi/Artificial Nails, Body Wrap, Ear Piercing, Eyelash Extensions, Eyebrow/Eyelash Tinting, Makeup, Waxing/Sugaring, Microdermabrasion) cost about $31.00 a month.
Absolutely. You can provide your beauty services anywhere in Canada. Our policy automatically includes Commercial General Liability to protect you for claims your home owners policy will not respond to.
We specialize in esthetics professional beauty insurance (both basic and advanced) and our insurance companies do as well. Our clients often tell us that when they call their broker that does their home or renters insurance they are quoted over $1,000 for a beauty professional insurance policy. Our beauty insurance is generally under $600. Why such a difference? When you sell thousands of policies a year, with insurance companies that understands what they are insuring, you can do it for less and insurance your business has an advantage!
Yes (unfortunately). In Ontario we must add 8% tax to each policy. Every province is different.
“A business or person that carries out work for a company”. Most estheticians that work at a Beauty Spa are subcontractors. A subcontractor will have a contract with the Spa owner to do specify services at an agreed rate (or percentage). A subcontractor will be responsible for paying their own taxes, CPP & EI. A sub-contractor also must carry their own professional and general liability insurance.
Botox (along with Laser Hair Removal, Injectables or Microblading) can be added to your Beauty or Spa policy for an additional fee.
MEET OUR BEAUTY INSURANCE EXPERTS
Chris Stark, RIBO
“I’m so grateful to be able to help you with your Beauty Insurance needs. I’m passionate about my clients. My wife and I have experienced many beauty procedures and as a family we value positive self-care. I’m always staying on top of the latest trends and fads in the industry to ensure I’m knowlegable to give your business the Insurance Advantage you need”. – Chris Stark
David Stark, RIBO
“Clients and their insurance needs are my expertise. I have been working in the insurance industry for over 30 years. I love finding out all about my client’s business. Then working with the insurance companies, I can negotiate the best product and price for your business insurance. Working together, I will make sure your business is protected. With Advantage Insurance, you can be sure I have the experience and expertise to provide your business with the Insurance Advantage.” – David Stark
Giving You An Insurance ADVANTAGE!
Experience Advantage
Our team has years of experience stemming from generations of learning and insight.
Company Advantage
We have strong long-standing relationships with our insurance companies which help from purchasing policies to renewals, to claims. We are a 100% Canadian owned and operated.
Progressive Advantage
We are always adapting to the global industry by selecting new technologies to make available to you and adding new coverages to your policy.
From One Professional to Another
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Laser Equipment Coverage
As we know, the laser has dramatically enhanced the beauty industry. Lasers can remove hair, tighten skin, burn veins, and many more services. This new technology borders
