When you also have equipment or operate from a store
All Basic plan benefits and:
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
Business Owners Policy (BOP) combines the protection of all the major property and liability risks in one package. It is an excellent insurance policy for small and mid-sized businesses, as it saves money compared to buying each insurance policies. You can also add more coverage which saves you more money in the long run.
Workers' Compensation is an insurance policy that provides wage replacement and medical benefits to employees who become sick or injured on the job. The insurance then relinquishes the employees' rights to sue your business for negligence; thus saving you and your employees from the expenses at court.
This type of business insurance is designed to protect your business from losses due to fraud, theft, counterfeiting, forgery or other related crimes. If any related crime occurs, the insurance will cover the costs related to the incidents.
Product Liability insurance protects you against the claims of physical injury or property damage that is caused by the products you sell or supply through your business. The insurance is designed to help protect your cosmetic store, so when an incident like this happens, you don't have to pay for the legal and court fees.
This industry retails products like makeup, toiletries, perfumes, and other similar personal grooming supplies.
Running a cosmetic store comes with plenty of risks, and without any risk management in place, your business could lose a lot of money. Insurance will pay for the medical costs, attorney fees, court costs, and related fees when covered under the policy.
The more people are at your cosmetic store, the more customers you have on the premises, the more there are at risk. For example, if a customer trips, slips or falls, you will be responsible for the medical treatment. You will also need to pay for the repairs to any damage to your property. Some examples include:
The cost of insurance for cosmetic stores depends on the type of business you offer, the number of employees you have, the size of your business property and many other factors. To get the cost of your insurance simply apply online or give us a call. Our customer services representative will be very glad to assist you.
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