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2 2 Details
3 3 Eligibility
4 4 Options
5 5 Quote

Beauty Professionals Insurance

Sorry, we don't have availability to purchase it online, but we are working on it! In the meantime, please submit quote for underwriting and we’ll reach out with any remaining questions!


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This policy will go into force on the start date and stay in force for 12 months.

Payments for this policy will stay in effect until cancelled.





General & professional liability limits

General & Professional Liability Aggregate $3,000,000
Products & Completed Operations Aggregate $3,000,000
Personal & Advertising Injury Included
Each Occurrence $2,000,000
Damage to Premises Rented to you $300,000

Additional limits

Inland Marine / Business Personal Property $2,000
Deductible $100


Tell us about you.



Physical Address

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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Mailing address

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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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This field is required
Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Business information

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Business name - Only letters (A-Z), numbers (0-9), & (ampersand), and - (hyphen) are allowed.
Please provide your full name under mailing address.
A business you own and operate, not a business that employs you.
Agree to our terms & conditions
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Let's find out if you are eligible.



Select an option
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Fitness Trainer includes personal, pilates, yoga, crossfit trainer
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*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
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*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
Select an option
*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
Select an option
*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
Select an option
*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
Select an option
*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
Select an option
*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.

Claims History

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*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
Select an option
*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
Select an option
*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.
Select an option
*Application can no longer be completed online. Please contact us at 844-520-6993, info@insurancecanopy.com, or use our contact form.

 

Terms & Conditions

 

Excluded Coverages

  • Assault and Battery
  • Abuse
  • Molestation
  • Harassment or Sexual Conduct

Excluded Practices

  • Training or application of micro-pigmentation, Black Henna
  • Body piercing or permanent body art
  • Laser treatments
  • Surgical hair removal, hair implanting or hair transplanting
  • Acupuncture (Optional Endorsement)
  • Any procedure that punctures the skin (Optional Endorsement)
  • Psychological or related treatment therapy
  • The use of electrical or mechanical apparatus or device for massage therapy, including electric massage chair or vibration machines
  • The use of any appliance, apparatus or device employing x-ray, electrical rays, radio waves or electronic waves
  • Suntan beds or suntan booths
  • The use of inversion tables
  • Sale, service or application of wigs or toupees
  • Removal or any attempt to remove warts, moles, or skin growths
  • Ultrasonic cavitation machines
  • Aqua therapy
  • Skin needling
  • Electrolysis
  • Cupping (Optional Endorsement)
  • Ear candling/coning
  • Hypnosis
  • Pole dancing, pole fitness, or exotic exercise
  • Microblading
  • Body branding
  • Endermologie
  • Flower essence or herbal therapy
  • Gua sha
  • Aerial yoga
  • Prescription, sales, distribution, or administration of any narcotic, controlled substance, or prescription medicine
  • Any operation that requires a medical license
  • Diagnosing or failure to diagnose any disease or medical condition
  • Manipulations or adjustments of the human skeletal structure
  • The use of any product developed with or containing human stem cells or stem cell media
  • Cryotherapy
  • Recommendation, sales, distribution, or administration of any vitamins, supplements, or nutraceuticals
  • Dietary or nutritional related work for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sport teams

 

Note: If you provide ANY of the above services, you are still eligible to purchase the policy, but those above services will be excluded in your coverage.

 

 

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Read Terms & Conditions
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Read Email, Phone and Electronic Delivery Statement
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Read Optional Endorsements Agreement



Select coverages options below.



Your application will be submitted for underwriting.
+ $33.00+ $2.75
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

This option is needed if you are planning to include some form of fitness training, such as Yoga, Dance Instructor, or Personal Trainer into your business operations. 

Your application will be submitted for underwriting.
+ $35.00+ $2.92
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

This endorsement is intended for single step, manual suction using dry silicone cups. Fire cupping and all types of invasive and wet cupping remain excluded.

Your application will be submitted for underwriting.
+ $35.00+ $2.92
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

By adding this endorsement, you are confirming the following things: 

  • You do not perform microcurrent procedures on clients with cancer, implanted devices (such as pacemakers, defibrillators, etc.), are pregnant, or subject to seizures.
  • You only use handheld microcurrent devices
  • No electrode pads are used
  • Only microcurrent devices with 500 microamps and below are used
Your application will be submitted for underwriting.
+ $24.00+ $2.00
+ $66.00+ $5.50
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Designed to cover your business personal property like equipment, supplies or inventory. This does not cover structural property like a building. $100 deductible applies.

Your application will be submitted for underwriting.
+ $403.00+ $33.58
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Nearly 1 in 4 businesses have experienced a cybersecurity event. If you collect and/or store customer and financial data, we strongly advise adding Cyber Liability Coverage for greater protection and peace of mind.

Your application will be submitted for underwriting.
+ $79.00+ $6.58
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.




Add additional insureds.



When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

  • Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.
  • A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

Additional Insured #{[{ $index + 1}]}(+$15.00)

Included with policy: Additional Insured, Waiver of Subrogation, Primary and Noncontributory.

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Please enter valid email address
Email should not be the same as the policy's holder email
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Please only use the additional insured email and do NOT use the policy’s holder email
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Make sure everything is accurate below.



Quote Summary

Policy Holder Edit

, ,
Email:
Email:
Mobile number:

Mailing Address is the Same as the Physical Address
Mailing Address:
, ,

Payment Information Edit

Payment Method:

Enrolled in EZ-Renew You are not enrolled in EZ-Renew
Edit Enroll
Your policy is set up to automatically renew on . With the EZ-Renew feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy coverage.

Beauty Professionals Insurance

Monthly Payment Breakdown

Policy start date: - Policy end date: Edit

If changes are needed, please reach out to your agent.
Edit

General & professional liability limits

General & Professional Liability Aggregate $3,000,000
Products & Completed Operations Aggregate $3,000,000
Personal & Advertising Injury Included
Each Occurrence $2,000,000
Damage to Premises Rented to you $300,000

Additional limits

Inland Marine / Business Personal Property $2,000
Deductible $100

Policy Holder Business Information

Edit
Business Type
name
DBA
Mobile number
Website
Business Activities
Business Activities Description
Product Description
Do you offer any fitness training, such as personal training, yoga instruction, Crossfit, or dance instruction?
Are you a fitness trainer, or a dance instructor?
Fitness Trainer includes personal, pilates, yoga, crossfit trainer
Are you currently certified by any professional association(s) or school(s)?
Please fill in the box with the association(s) you have a certification with
Do you provide any training outside your certification?
Do you have your clients complete a health history form?
Do you have clients who are under the age of 10?
Do you comply with all state and local government regulations?
Do you manufacture, alter, or package any diet aids, vitamins, supplements, or any other nutritional products?
Are you a Certified Athletic Trainer or coach who is affiliated with any organized sports or athletic team(s)?

Claims History

Have you had any liability or business property claims resulting in losses in excess of $5,000 within the last five years?
Are you aware of any incident(s) that may result in a claim?
Have you ever been involved in any legal disputes relating to the operations of your company?
Have you ever been subject to local, state, or federal investigation relating to the type of business you are applying for?

 

Terms & Conditions

 

Excluded Coverages

  • Assault and Battery
  • Abuse
  • Molestation
  • Harassment or Sexual Conduct

Excluded Practices

  • Training or application of micro-pigmentation, Black Henna
  • Body piercing or permanent body art
  • Laser treatments
  • Surgical hair removal, hair implanting or hair transplanting
  • Acupuncture (Optional Endorsement)
  • Any procedure that punctures the skin (Optional Endorsement)
  • Psychological or related treatment therapy
  • The use of electrical or mechanical apparatus or device for massage therapy, including electric massage chair or vibration machines
  • The use of any appliance, apparatus or device employing x-ray, electrical rays, radio waves or electronic waves
  • Suntan beds or suntan booths
  • The use of inversion tables
  • Sale, service or application of wigs or toupees
  • Removal or any attempt to remove warts, moles, or skin growths
  • Ultrasonic cavitation machines
  • Aqua therapy
  • Skin needling
  • Electrolysis
  • Cupping (Optional Endorsement)
  • Ear candling/coning
  • Hypnosis
  • Pole dancing, pole fitness, or exotic exercise
  • Microblading
  • Body branding
  • Endermologie
  • Flower essence or herbal therapy
  • Gua sha
  • Aerial yoga
  • Prescription, sales, distribution, or administration of any narcotic, controlled substance, or prescription medicine
  • Any operation that requires a medical license
  • Diagnosing or failure to diagnose any disease or medical condition
  • Manipulations or adjustments of the human skeletal structure
  • The use of any product developed with or containing human stem cells or stem cell media
  • Cryotherapy
  • Recommendation, sales, distribution, or administration of any vitamins, supplements, or nutraceuticals
  • Dietary or nutritional related work for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sport teams

 

Note: If you provide ANY of the above services, you are still eligible to purchase the policy, but those above services will be excluded in your coverage.

 

 

Check this box confirming you understand the above modalities and services are excluded in this policy
By checking this box, you certify that you are at least 18 years of age
By checking this box I accept the Terms & Conditions
Read Terms & Conditions
I agree to the following email, phone and electronic delivery statement:
Read Email, Phone and Electronic Delivery Statement
Please check this box confirming you understand this policy is designed to cover only ONE technician/professional. If you are a Corporation or LLC, this policy will only cover the owner/operator of the company.
By checking this box I accept the optional endorsements agreement
Read Optional Endorsements Agreement

Additional Insureds

Edit
Unlimited Additional Insureds
Additional Insureds
{[{ ai.name }]}

Employees

Edit
{[{ employee.firstName }]} {[{ employee.lastName }]} + {[{ optionalCoverage.employeePrice|currency }]}

Independent Contractors

Edit
{[{ contractor.firstName }]} {[{ contractor.lastName }]} + {[{ optionalCoverage.independentContractorPrice|currency }]}

Your policy will be issued and your documents available immediately after clicking the "Purchase Policy" button below. Your policy application may be subject to review by our underwriting team to verify that the business operation, product, and/or service meet the eligibility guidelines established for the program. In the event we need further clarification to determine eligibility, we will contact you via email at the email address used to establish your account. If an account is found to be ineligible during the underwriting period, the policy will be subject to immediate cancellation and a full refund will be issued. After the underwriting period, the premium is 100% earned and no refunds will be given.

Your agent will be contacting you soon. There is a pending document to be submitted.



Let's Get Your Business Covered!



Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next {[{ checkoutData.configuration.monthlyPaymentCount }]} months.

Switch to annual
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Credit card information

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Please enter your credit card and bank information. Your credit card will be used for the down payment and your bank information will be used for the Capital Premium finance agreement monthly draft. If you have questions about alternative payment methods for the capital monthly draft please contact Capital Premium.
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This feature will create a customer payment profile for your billing information to allow easy checkout during future policy coverage extensions or updates. Credit card information is not stored within our system. All billing information is processed through authorize.net

Your credit card expires before auto renew date ({[{ policyEndDate.format(dateViewFormat) }]}). In order to proceed, please use other credit card.

Your policy is set up to automatically renew on {[{ policyEndDate.format(dateViewFormat) }]}.

More Details

EZ-Renew

With this beneficial feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy.

You will receive a Conditional Renewal Notice prior to the renewal date of your policy. If you wish to cancel your policy, you must notify us in writing prior to the policy renewal date. You can cancel EZ-Renew at any time from your dashboard. Your policy will be renewed with the same coverage's, additional insureds and endorsements as your current policy. If you wish to change any coverages, you can login to your on-line account and make changes to your policy at any time.

Please note that we do NOT store credit/debit card numbers, nor do we share customer details with any third parties. Recurring billing is managed via Authorize.net.

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Based on your previous answers, it appears your business situation is unique and deserves a more personal touch. Please complete the application and one of our licensed sales agents will contact you within 48 hours to complete your quote.
Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

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Beauty Professionals Insurance

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

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$
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DUE TODAY: (downpayment)

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next 10 months.

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