Operators of day spas or hair salons in New York State should carry a number of insurance policies to protect you, your employees, and your customers from unexpected costs. Many of these are not legally required, but failing to have them leaves you exposed to claims that could otherwise drive you into bankruptcy.
Here are some of the top ones to be sure you have:
Workers’ Compensation – This pays out when workers have to take time off of the job due to work-related injuries. It is required by law opens in a new window for all companies that have any employees. Owners and partners do not count as “employees” for this requirement.
General Liability – If someone is hurt or otherwise damaged on your property, this policy covers the costs.
Professional Liability – An essential part of any day spa insurance program in NY, this protects against harm caused by someone during the performance of their professional duties.
Property Insurance – If you own your building, get this insurance to protect against the cost of fires, thefts, and other damaging mishaps. It protects the contents of the building as well as the structure itself.
Off-Site Services – This rider extends coverage to services provided off of the premises, such as in-home hair services.
- There are many good options when it comes to salon insurance for salon owners in NY.
- Workers’ compensation insurance is required by law if you have any employees.
- Other forms of coverage protect against common business hazards opens in a new window.
- If you provide services at customers’ homes or other remote locations, be sure to add off-site services coverage to your other types of day spa insurance in NY.
To get hair salon insurance quotes in NY or get coverage for your day spa, just contact us here at Marine Agency Insurance. We’ll be glad to get you the protection you need.