Ear Piercing Service Insurance

Finding the Best Ear Piercing Service Insurance

What you need to know to protect your business.

Ear piercing service insurance

As with any business, things can always go wrong at your ear piercing service. To protect your business and your employees from the financial disaster that can accompany fires, theft, vandalism, injuries, and lawsuits, you need business insurance.

Ear piercing service insurance is the best way to protect your interests from a variety of problems that can occur. A local independent insurance agent can help you get the coverage you need.

Why Do You Need Ear Piercing Service Insurance?

Ear piercing services can face serious losses as a result of the following.

  • Infections, mistakes, and injuries to customers
  • Claims involving communicable diseases and even sexual assaults
  • Typical retail exposures like slips and falls, fire, theft, vandalism, and weather events

Ear piercing service insurance is the best way to protect your business if you’re sued or if you face a property loss. What’s more, if you rent or lease your space, you landlord may require that you have certain coverage.

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What Does Property Insurance Cover?

Ear piercing service insurance starts with property coverage. While you most likely lease your space and do not have a building to cover, you still need insurance protection for the business property on your premises.

Commercial property insurance provides coverage for property damage that occurs as a result of fire, theft, vandalism, weather events, and other covered perils.

Your business property policy may also include business interruption coverage, which helps you pay for expenses like rent and employee salaries if your shop must close to make repairs after a fire, storm, or some other covered event.

What Does Liability Insurance Cover?

Liability insurance is the most important type of insurance protection for an ear piercing service. A commercial general liability (CGL) policy provides broad coverage for bodily injury or property damage that occurs on your premises or as a result of the services you provide, including the following.

  • Slips and falls
  • Advertising liability
  • Libel and slander
  • Injury or harm to a client while getting or after getting a piercing

Your ear piercing service liability insurance can be tailored to your needs. Insurance companies may offer liability coverage for incidents that occur inside your shop, as well as those that might occur off-premises, including shows and fairs.

It is likely that your landlord will require you to have liability insurance for incidents that occur within your leased space as well as accidents that occur outside the leased space but are caused by you, your operations, or your employees. Ear piercing service liability insurance should allow you to name your landlord as an additional insured on your policy, as may be required by your lease agreement.

You may also be able to add endorsements that include coverage for claims of communicable disease transmission and sexual abuse on your premise.

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What Other Policies Do Ear Piercing Services Need?

You may be able to bundle your basic property and liability coverage together into a packaged policy (business owners policy, or BOP) designed for small businesses owners.

You might also want to consider endorsements to your basic insurance policies or standalone policies that provide the following types of coverage.

  • Commercial umbrella insurance: Provides excess liability protection to any of several other policies you might have. If a customer injury in your shop leads to an expensive lawsuit that exceeds the limits of your CGL policy, your commercial umbrella kicks in with higher coverage limits.
  • Workers’ compensation insurance: This is typically required for any business that has employees, and pays for lost income and medical expenses for employees that are injured on the job.
  • Crime coverage: Protects your business if an employee or a group of employees engage in theft, forgery, or fraud that damages your business. Having a small business with high-turnover, part-time employees makes your business susceptible to employee theft.
  • Sign coverage: Pays for damage to outdoor signs that are not attached to your building that is caused by vandalism, theft, weather, or accidents.
  • Utility interruption coverage: Provides income protection if you are unable to operate due to a covered utility (water, electrical) interruption.

These and other policies and policy endorsements can be customized to cover your unique risks, and together make up a large portion of a comprehensive ear piercing service insurance program.

What Does Ear Piercing Service Insurance Cost?

Ear piercing service insurance costs will vary depending on the size of the business, the number of locations, where the business is located, the number of employees, and other factors. The amounts and types of coverage that you need to fully cover your risks is the main driver of your insurance costs.

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Benefits of an Independent Agent

An independent insurance agent who has experience working with ear piercing services and other businesses like yours can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

Find and Compare Quotes for Ear Piercing Service Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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