Day spas and salons are well-loved, but they also present many risks for their owners. Fortunately, the biggest and most unpredictable of these risks are easy to mitigate by getting the right insurance policies. Here are some that you should make sure are part of a day spa insurance program in Ohio:
Workers’ compensation insurance – This coverage gets top mention because it is required by state law if you have any employees. If you run a sole proprietorship, you may still want this insurance to cover yourself if a work-related injury puts you on the sidelines.
Property insurance – The business equivalent of house insurance, this coverage protects your building and its contents from fire, theft, and certain natural disasters.
General liability coverage – This gives you protection against damage claims for things like slips-and-falls, other accidents, and similar mishaps.
Professional liability coverage – If you or one of your employees causes damage or harm to a customer while carrying out professional duties, this policy kicks in to cover the damages.
These are just some of the policies that can help you avoid unexpected financial exposure. Talk to us here at Marine Agency Insurance to learn more about salon insurance for salon owners in OH or general business coverage.
- Workers’ compensation is required by law if you have employees.
- Liability coverage protects you from claims for accidents, malpractice, and other mishaps.
- Property insurance protects your building and its contents.
To get started on getting day spa insurance in OH, or to get hair salon insurance quotes in OH, contact us here at Marine Agency Insurance. We’re glad to help you get all of the coverage you need to have peace of mind and good protection against unexpected catastrophes.