Spas and Salons
- Commercial General Liability
- Contents
- Professional Liability
- Beauticians
- Dermatology Services
- Cosmetic Procedures
- Hair Salons
- Holistic Practitioners and Holistic Clinics
- Medical Spas
- Nail Salons
- Spas
- Traditional Chinese Medicine
Product Overview
Spas and salons are offering more than just haircuts and massages. With new services like injectables, PRP, and cosmetic procedures, their risks are also growing.
Signal Underwriting Inc. brings over 15 years of experience in this space, supported by a globally recognized Lloyd’s carrier. This product offers tailored insurance that grows with the beauty and wellness sector.
About Spas and Salons by Signal Underwriting Inc.
Spas and Salons by Signal Underwriting Inc provides liability, property, and professional coverage for personal care and medical aesthetics businesses across Canada. It includes salons, spas, holistic clinics, medical spas, and more.
Coverage extends to equipment breakdown, abuse liability, employment practices, and legal defence reimbursement. Property protection is offered on an all-risk basis, with limits up to $4 million per location for best-in-class risks and custom wording.
The product is available in all provinces with no broker contract required. Brokers receive a 17.5% commission and gain access to in-house underwriters familiar with spa and salon risks.
Signal Underwriting Inc. delivers tailored coverage with broad terms and strong support using broad definitions, generous limits, and tailored manuscript wording. It’s built for beauty professionals needing strong, adaptable coverage.
To learn more or get a quote, connect with the underwriter or explore the downloadable applications linked below. It's all just a click away.
Spas and Salons by Signal Underwriting Inc. FAQs
What types of businesses are covered under Spas and Salons by Signal Underwriting Inc?
The policy is designed for a wide range of personal care and wellness providers.
Covered businesses include spas, salons, nail and hair studios, cosmetic clinics, medical spas, dermatology services, holistic practitioners, and traditional Chinese medicine providers.
What are the liability coverage limits under this product?
Spas and Salons by Signal Underwriting Inc offers liability coverage of up to $10 million.
The policy includes worldwide protection, broad definitions of “insured,” and defence costs in addition to the limits, with no general liability aggregate on most sections.
Is the property coverage tailored for salons and spas?
Yes. The product includes custom manuscript wording designed for salon and spa environments, with limits up to $4 million per location for qualifying risks.
Coverage also includes replacement cost, waiver of co-insurance with a signed statement of values, and protection for business interruption and loss of documents.
Does Spas and Salons by Signal Underwriting Inc cover injectables and cosmetic procedures?
Yes. Cosmetic treatments like Botox, dermal fillers, PRP, and similar injectables are covered under the professional liability section. Signal Underwriting Inc considers these part of the growing medical aesthetics industry, provided appropriate licensing and training are in place.
Can holistic clinics and practitioners get coverage under this product?
Holistic clinics and alternative health providers are eligible under Spas and Salons by Signal Underwriting Inc.
This includes acupuncture, aromatherapy, naturopathy, and traditional Chinese medicine, reflecting the product’s broad approach to evolving wellness services.
Are services like tattoo removal or laser treatments included?
Yes. Laser services, including tattoo removal and skin treatments, are eligible for coverage within this policy.
These are treated under professional and general liability, based on the service type and business profile.
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