Retail Insurance

A client comes into your salon on the day of her wedding to get her hair done. Despite your hairdresser’s best efforts, the customer is extremely unhappy with the end result. She subsequently sues you saying you ruined her wedding day.

It’s the beginning of the year and you have picked up a number of new clients looking to get in shape. In the 10 years, you have been a personal fitness trainer you have never had a client get injured because of an exercise you recommended. That streak has come to an end as your most recent client says his back is injured because of a certain movement you had him due.

It’s springtime and your mobile car-wash and detailing business is starting to take off. Business is going great as you are getting a reputation for specializing in cleaning high-end vehicles. You are working on a client’s sports car and start to strip the wax using an orbital polisher. You didn’t check the pad and a tiny rock got caught in the fibers creating major scratches in the paint.

Are you covered?

Insurance isn’t always simple.

Having an independent agent on your side means you have a policy catered specifically for your service business. And as your needs change, we can change right along with you.

Coverages Explained:

  • General Liability: This insurance helps protect your business from claims of:
    • Bodily injury which includes customer slip and falls
    • Costs for property damage claims against your business
    • Medical expenses if someone gets injured at your company
    • Advertising injury claims against your business
    • Administrative costs to handle covered claims
    • Court costs, judgments and settlements for covered claims
  • Commercial Property: insurance to help protect your place of business and the tools you use. Commercial property insurance can help protect these tools whether you own them or lease
  • Business Income Insurance: helps cover your lost income if you can’t run your business due to covered property damage or loss, like a fire or storm.
  • Equipment Breakdown: Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods, and loss of income.
  • Employee Dishonesty: Covers your business for employee theft of money, securities and other tangible property.
  • Professional Liability: Also known as Errors and Omissions (E&O Insurance). Can protect you and your business from suits brought on for negligence when providing professional services. Examples of this would be failing to deliver a service or giving incorrect advice. These are things the General Liability Insurance will not cover.
  • Commercial Umbrella: covers large liability losses that exceed the limits of the underlying general liability policy.

Common Ways to Save:

Multiple Policy Discounts

Having 2 or more lines of insurance with the same carrier can offer big credits.

Payment Plan Discounts

Many carriers offer discounts for paying in full or on an automatic pay plan.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Favorable Loss History

Receive a lower premium for favorable loss history.

Interested in a Quote?