Putting together a good day spa insurance program in NC requires thinking about the types of liabilities businesses are likely to encounter, as well as meeting state regulations. This means that your workers’ compensation policy should be just the start.
The worker’s compensation policy – If you employ three or more workers, you need to have this coverage in order to comply with North Carolina state law. Optional policies are available if you have fewer workers.
Property insurance – Those who own their buildings can get this coverage, which protects the structure and its contents from several kinds of destruction as well as theft.
General liability insurance – This policy offers protection against general accidents like slips-and-falls, as well as product liability and similar issues.
Professional liability insurance – Sometimes referred to as “professional malpractice” insurance, this covers you if you or one of your employees causes damage or injury to a customer during the performance of duties.
Other types of insurance are also available, and can cover unique needs your establishment may have.
- Workers’ compensation insurance is only required by law if you have three or more employees, but it can be a good idea to get it if you have fewer.
- General liability insurance protects against damages from common mishaps.
- Professional liability insurance covers damages caused during the performance of professional duties.
- Property insurance protects your building and its contents.
These are just some of the top types of day spa insurance in NC. To learn more, or get hair salon insurance quotes in NC, just contact us here at Marine Agency Insurance. We’ll be glad to discuss your needs and offer you the best salon insurance for salon owners in NC that we can.