Common questions about Personal Care
Answering the most frequently asked questions about Personal Care.
Cyber liability. Booking platforms and card data make salons a routine target, and breach notification obligations apply regardless of how small the business is.
That’s product liability, and it applies even though you didn’t manufacture it. Reaction claims from products you resell or apply name the seller alongside the brand.
Yes. Injectables, lasers and medical-grade procedures generally require medical malpractice rather than professional liability, and carriers underwrite them very differently. Adding services without telling your carrier can void the response.
No. General liability covers a client slipping in your salon. Injury arising from the service itself is professional liability, and this distinction is the most common coverage gap in the industry.
Usually yes. A salon owner’s policy typically covers the premises and the owner’s staff, not independent renters. Many salon leases now require renters to carry and prove their own coverage.
To lower your insurance premiums, consider bundling policies, maintaining a safe work environment, training employees on best practices, and choosing higher deductibles.
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.
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.
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.
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
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
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.
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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
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