Comprehensive Insurance Coverage for Salon Owners: Protect Your Business and Assets

1. Business Insurance Overview Brainwasheducationonline.com

2. Salon Owners Personal Property • Special Form including theft, $250 Loss Deductible • Replacement cost coverage • Property Enhancement Endorsement / $250 Loss Deductible • INCLUDED • Personal Effects and Property of Others/Maximum per occurrence $10,000 • Signs and Barber Poles $ 5,000 • Employee Dishonesty $ 5,000 • Electronic Data Processing Equipment and Media / On premises $ 2,500 • Off premises $ 1,000 • Money & Securities / On premises $ 2,500 • Off premises $ 1,000 • Fire Department Surcharge $ 2,500 • Business Income Option $25,000 • Criminal Information Reward $ 1,000 • Sewer or Drain Backup $ 2,500 • Enhanced Glass Coverage $ 1,000 • *Only the actual policy forms can provide coverage terms

3. Professional Liability • General Liability Aggregate Limit $2,000,000 • Products/Completed Operations Aggregate Limit $1,000,000 • Professional Liability • Included • Each Occurrence Limit $1,000,000 • Personal and Advertising Injury Limit $1,000,000 • Tenant Fire Legal Liability $ 100,000 • Medical Expense Limit $ 5,000 • No Bodily Injury Deductible 0 • Additional Insured Included • Non-owned auto Liability

4. Independent Contractor Liability • General Liability Aggregate Limit $2,000,000 • Products/Completed Operations Aggregate Limit $1,000,000 • Professional Liability • Included • Each Occurrence Limit $1,000,000 • Personal and Advertising Injury Limit $1,000,000 • Tenant Fire Legal Liability $ 100,000 • Medical Expense Limit $ 5,000 • No Bodily Injury Deductible 0 • Additional Insured Included • Non-owned auto Liability Available

5. Legal Insurance • Our plan is to help your business succeed. • The Small Business Plan includes the following areas plus many more. • Debt Collection 10 initial collection letters written per month • Contract Review • 3 contracts (up to 15 pages each) reviewed each month • Executed Contract Review • 1 signed contract (up to 10 pages) reviewed each month • Document Review • 3 business documents (up to 15 pages each) reviewed each month • Legal Correspondence • 1 letter per legal subject matter per year (with a copy for your files) • Trial Defense Services • 75 hours per year (15 pre-trial, 60 at trial) if your business is named defendant or respondent in a covered civil action relating to business* • *This benefit is not available in WA, NV, NY, or Canada • Save On Additional Legal Services • 25% discount on hourly rates for additional litigation and legal • work, and 5% discount on standard contingency fees • Our Attorneys Provide Legal Consultation • Pick up the phone and call your provider law firm on any legal issue affecting your business such as: • Hiring/firing • Vendor Issues • Small claims Intellectual Property • Equipment leases Creditor Harassment • Incorporation Identitity Theft • Bankruptcy Government Compliance • Joint ventures Verbal Contracts • Landlord/tenant disputes City Zoning • Bad check recovery Workers Compensation • Customer complaints