Risk Eligibility

  • Risks with up to $3,000,000 in annual sales
  • Independent contractors
  • Tanning beds (incidental to operations and up to four units)
  • Incidental massage services
  • New ventures are eligible

Contact an Underwriter at 877-742-9875

SUBJECT TO UNDERWRITING REVIEW

Up to two losses or claims per coverage line incurred in the past three years

AVAILABLE LIMITS

  • Property values up to:
    • $3,000,000 in protection classes 1-8
    • $1,000,000 in protection classes 9-10
    • $500,000 in coastal zones (excluding wind and hail coverage)
  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Professional liability limits equal to the general liability limit
  • Tanning device liability $100,000 occurrence/$300,000 aggregate
  • Excess general liability or umbrella up to $5,000,000
  • Hired and non-owned auto liability up to $1,000,000 (equal to the general liability occurrence limit, not
  • available in AZ, GA, IL, MS, VT or WI)

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

  • Removal of hair by electrolysis
  • Any products sold under the applicant’s name or label
  • Student operators (even with a permit)
  • More than four tanning beds or tanning salons only
  • Not all professional operators have valid licenses
  • Located in AK, LA or WV
NOTE: Ineligible risk characteristics include, but are not limited to those listed above.
CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION.