Describe the business, confirm its class, and see which Canadian insurers and MGAs write it, with their contacts and applications.
This Canadian industry comprises establishments primarily engaged in providing hair care services to women, providing esthetic services such as manicures and pedicures, or a combination of these services.
Specialist programs come first. Taken from each market's own website; confirm appetite before you submit.
Most cosmetology and spa services, on an occurrence (hybrid) or claims made basis.
Package for a variety of retail businesses. Professional liability available for audiologists, funeral homes, veterinarians and animal hospitals, pharmacists and drug stores, beauty salons and aestheticians. All risk, replacement cost, stated amount or 90% co-insurance.
Target classes: beauticians, dermatology services, cosmetic procedures, hair salons, holistic practitioners and clinics, medical spas, nail salons, spas and traditional Chinese medicine. Coverages: abuse liability, CGL, EPL, equipment breakdown, professional liability (medical malpractice), property and crime. Liability limits up to $10,000,000; property and crime up to $5,000,000 per location (best in class); double med mal aggregate, no general liability aggregate (except completed operations and employee benefits E&O).
Classes include landscapers, snow removal, pet care, antique and farmers markets, beauty products, beauticians and barbers, contractors, cosmetics, manufacturers, processors, recycling and sanitation, remediation, retailers, wholesalers and licensed restaurants (not exhaustive). Limits up to $10,000,000, deductibles from $1,000; occurrence form with claims-made option; enhancements include faulty workmanship, product recall, manufacturer's E&O and EPL; worldwide sales available. Excess and umbrella also available.
E&O combined with CGL for architects and engineers, IT and technology, media and multimedia, miscellaneous professionals, and tattoo, body piercing, permanent makeup and beauty operations (not exhaustive). Limits not published.
Accounting, financial planning and management, consulting firms, dry cleaners, graphic design, hairstylists and estheticians, janitorial services, opticians and optometrists, pet grooming, travel agents, wedding planners. Property and liability, equipment breakdown, E&O on select classes.
Beauty and style professionals, health and wellbeing, counsellors and trainers, and fitness centres.
Package program for beauticians, spas and wellness businesses. Tanning salons and tattoo and piercing artists have separate programs.
Property and liability in one placement. Strong fit: hospitality, retail and wholesale, small and mid-sized manufacturing, trades and contractors, business and professional services; also restaurants and food vendors, pet care, beauty, bed and breakfasts. Property, business income, equipment breakdown, CGL; optional cyber, terrorism and umbrella or excess.
Personal trainers, yoga instructors, massage therapists, hairdressers, estheticians.
Business consultants, print shops, hair salons and similar professional services, including vehicles used for commuting or carrying small products and mobile office equipment.
CGL, commercial property and equipment breakdown for salons and personal care and beauty businesses.
Engineers and architects, contractors, life science, consultants and various professionals, gyms and fitness centres, beauty salons and spas, technology consultants, media companies.
Beauty industry program including professional liability: hair, cosmetics, esthetics, electrolysis, nails, lash extensions, massage, photo epilation, tanning (max 30% of revenue), teeth whitening, foot care, permanent makeup, spas, training and distributors. Excludes medical procedures, unapproved lasers, tattooing, piercing (except ears), Botox.
Barber shops, hair salons, day spas, nail salons, massage therapy and tattoo parlours: professional liability, equipment breakdown, signage, business interruption and legal expense.
Bundled business owner's policy for businesses under $10M revenue with local operations, such as retailers, independent contractors and local offices.
Revenue under $5 million (under $3 million for manufacturing and contracting), total insured value under $10 million ($5 million per location), up to nine vehicles. Some classes are excluded by province, for example bars and taverns, plumbing and residential realty in most provinces; check the exclusion table on the page.
Other business types in this industry, each with its own market list.
Get listed free, confirm your listing to show it as verified, or ask about a sponsored placement on the classes you write. Sponsored placements are always labelled.
Listings show what each market publishes on its own website, checked on the date shown. Appetite and contacts change, so confirm with the market before you submit. Industry classes: Statistics Canada, NAICS Canada 2022 Version 1.0, under the Statistics Canada Open Licence. TrueNorthCE is not affiliated with the markets listed. Listings marked Sponsored are paid placements.