Personal Care

Personal Care2025-10-17T11:18:59-04:00
Personal Care

Keep Your Retail Business Running at a High Level

Semper Insurance provides Personal Care insurance, and surrounding areas.

Retailers face a number of challenges when it comes to keeping their business running at a high level, including everything from regulatory issues and theft, to competition within the industry. When it comes to managing the risks of running your own Personal Care, you want the best protection possible. Semper Insurance will work with you to formulate an insurance package fit for your business.

Here are some of our insurance options for retailers:

  • General liability
  • Property coverage
  • Crime insurance
  • Umbrella coverage
  • Business interruption insurance

Contact a representative at Semper Insurance to go over these and many other insurance options for Personal Care.

General Liability

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.

Worker’s Compensations

If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Business Owner’s Policy

Combines general liability and property insurance into one package tailored for small to medium-sized businesses. It covers property damage, bodily injury, and business interruption, offering protection against claims arising from accidents on your premises and damage to your business property.

Commercial Auto

Provides coverage for vehicles used in the course of business. It includes liability for bodily injury and property damage caused by business vehicles, as well as physical damage, theft, vandalism, and accidents. It ensures protection for company-owned or leased vehicles and employees driving them.

Garage Keepers

Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.

Commercial Umbrella

Provides additional liability coverage beyond the limits of your existing general liability, commercial auto, and other liability policies. It offers extra protection against large claims or lawsuits, covering costs that exceed the underlying policy limits, ensuring broader financial security for your business.

Common questions about Personal Care

Answering the most frequently asked questions about Personal Care.

How can I reduce my insurance costs?2024-07-10T11:53:05-04:00

To lower your insurance premiums, consider bundling policies, maintaining a safe work environment, training employees on best practices, and choosing higher deductibles.

What should I do if a customer sues me for a service gone wrong?2024-07-10T11:52:17-04:00

Professional liability insurance will cover your legal fees and any settlements or judgments if a customer sues you for negligence, errors, or unsatisfactory results from your services.

Is cyber insurance necessary for my small personal care business?2024-07-10T11:51:34-04:00

Yes, if you handle sensitive customer information such as credit card numbers or personal data, cyber insurance is important to protect against data breaches and cyberattacks.

What insurance do I need if I rent a booth in a salon?2024-07-10T11:50:56-04:00

If you rent a booth, you should have general liability insurance and professional liability insurance to cover accidents and claims related to your services. Some salon owners may also require you to carry your own workers’ compensation insurance.

Do I need insurance if I’m a self-employed personal care provider?2024-07-10T11:50:14-04:00

Yes, insurance is crucial even if you are self-employed. It protects you from potential lawsuits and financial losses due to accidents, property damage, or professional errors.

Reviews from Semper Insurance clients

110-35 72nd Rd, Forest Hills

5.0 22 reviews

  • Avatar Justin Wheeler ★★★★★ in the last week
    We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
  • Avatar Grigoriy Priev ★★★★★ a month ago
    Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
  • Avatar lina torres ★★★★★ a month ago
    Adam is an excellent insurance broker. I called him frantic looking for a last minute commercial insurance. I gave him the details of the specific coverage I needed. He was able to communicate with me throughout the day just giving me updates … More with different insurance options and when I told him I found an option he even went the extra mile to price match the other company without compromising the coverage. I had the true experience of professional genuine custom care and would highly recommend to anyone.

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