The Subrogation Clause Depending on the terms of your lease agreement, your landlord may require a waiver of subrogation to be signed. Unless you have run into this term while researching insurance requirements before, this is likely not something you have come across. What is the meaning of a waiver of subrogation? If an event
Read MoreIt is important for people to know the possible risks associated with the services that you provide. We all want customers to come through our doors and feel welcome. We want to create a friendly environment that makes them feel like family so they want to keep coming back. It seems scary to tell people
Read MoreWhat is Business Interruption Coverage (BIC)? BIC is a rider on your Business Personal Property Insurance Policy. It replaces lost income and extra expenses while the business is going through repairs necessary to get it back up and running again after a covered loss. Is BIC the same as Property Coverage? BIC is not the
Read MoreYour spa is unique, So are your insurance needs. Whether you are a technician, business owner or both in the Beauty, Wellness and Medispa industries, you need the appropriate insurance. A majority of professionals don’t know enough in order to pay close attention to their insurance coverage. To many people think it is only necessary
Read MoreWe get a lot of people asking questions about Workman’s Comp. Frequently Asked Questions: What is workman’s comp? Does every state have different requirements? Do we offer it? Is it necessary? We have answered these questions to better help our customers in their quest for knowledge on Workman’s Compensation. To put it simply, Workman’s Compensation
Read MoreOne of the most common mistakes we see spa and salon owners make involves instances of renting a chair or room to Independent Contractors. Sometimes these independents are performing services that are well beyond your coverage.
Read MoreOur Basic Coverage (Medispa I) is where all of our medispas begin. These places are nice, often luxurious spas often run by a Physician or qualified staff overseen by a Physician. What makes them different from a normal day spa is the level of invasiveness you’ll find. These locations provide injections like Botox or Dysport, dermal fillers like Bellafil, vitamins and collagen, more potent chemical peels, and stronger dermaplaning. These medispas also use their lasers in more invasive procedures than basic laser hair removal.
Read MoreThe other day, we were talking to an insurance agent about our spa/salon/medispa liability coverage and a topic came up that we feel very passionate about – especially when it comes to this industry. The agent asked, “are you a Risk Retention Group?” He obviously knew what a RRG was and wanted to steer clear of such a company. Unfortunately, most spa, salon, and medispa owners are not aware of what a RRG is and why they should be avoided.
Read MoreIt seems like every month there’s a national news story highlighting sexual misconduct in a spa setting. They almost always involve a male technician and a female client and most commonly occur on a massage table. We’ve seen all types of claims in our 25 years: some clients are genuinely assaulted, and other clients’ claims involve little more than an accident.
Read MoreHaving an association with well over 1000 members allows us to negotiate better programs for our members, with ABE’s Spa/Salon/Medispa Insurance being one of the most sought after. 25 years of exclusive focus on this industry has helped us refine what our members need in order to be properly protected. Our insurance policies include:
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