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Professional Liability, General Liability, Property, and Workers’ Comp Coverage For:

  • Beauty & Barber
  • Day Spa & Salon
  • Cosmetic Laser
  • Cosmetic Tattoo (AKA “permanent makeup”, “microblading”, or “micropigmentation”
  • Electrology & Aesthetics
  • Massage & Bodywork
  • Medispa
  • Tattoo & Body Piercing

Important Notes & Numbers

  • Liability and property available throughout lower 48 states and DC (property limited in coastal locations)
  • Workers’ Compensation available nationwide (excluding monopolistic states)
  • Liability minimum premium is $500 plus tax & fee
  • Minimum TIV (for property coverages) is $100,000
  • No “ghost” workers’ compensation policies. Must have payroll.
  • Commission to brokers is 10% of premium
  • Liability and property policies are agency-billed (you collect from the insured, and send an agency check to us)
  • Workers’ compensation policies are carrier-billed (your insured gets billed directly by carrier, we pay you commission)

How to Submit – Liability & Property

  • Download and complete the required liability applicationPDF icon.
  • Complete an Acord 125 (applicant info) and Acord 140 (property). This is only needed to quote property coverage. Property coverage is optional.
  • Obtain prior carrier loss runs if the expiring premium is over $10,000.
  • Obtain prior carrier loss runs if there are any prior claims.
  • Obtain evidence of your agency E&O coverage (either a certificate or a current declaration page). On receiving your first submission, we’ll send a broker agreement for electronic signature.
  • Email everything to brokers@marineagency.com.

How to Submit – Workers’ Compensation

  • Submit either completed Acords or narrative description for quote (be sure to include relevant names, ownership info, and payroll split between owners and workers).
  • Obtain evidence of your agency E&O coverage (either a certificate or a current declaration page). On receiving your first submission, we’ll send a broker agreement for electronic signature.
  • Email everything to brokers@marineagency.com.
  • Must submit either 3 years loss runs or 3 year no loss letter prior to binding.