Insurance Guides by Business Model
Where and how you work dictates your exact legal liability profile. Select your business structure below for specialized insurance checklists, landlord requirements, and cost estimates.
Booth & Suite Renters
How to satisfy commercial suite lease contracts, name landlords as Additional Insured, and protect rented room contents.
Mobile & Freelance Estheticians
Covering off-premises treatments, equipment transport in vehicles, and essential commercial auto endorsements.
Home-Based Studios
Why homeowners insurance excludes commercial skincare claims, and how to secure proper residential commercial riders.
1099 Independent Contractors
Understanding why a salon owner's policy does not cover independent contractors and how to maintain solo liability.
Salon & Medspa Owners
Comprehensive Business Owner Policies (BOP), state Workers' Compensation mandates, and vicarious employee liability.