Businesses that may fit this online path
The application evaluates the exact work performed. Examples in this broad category include:
- Eligible salons and personal-care services
- Fitness instructors and trainers
- Yoga and wellness professionals
- Beauty and grooming businesses
- Eligible non-medical wellness services
Coverage options to consider
Products and endorsements vary by eligibility, profession, state, and the application responses.
General Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Professional Liability where applicable
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Business Owner's Policy
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Commercial Property
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Workers' Compensation
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Cyber Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Information to have ready
- Exact services, credentials, and customer activities
- Locations, equipment, products, and annual revenue
- Employees, contractors, payroll, and training
- Consent, incident, sanitation, and safety procedures
- Claims history and requested effective date
Frequently asked questions
Why can a personal-care business need both General and Professional Liability?
Premises incidents and allegations arising from professional services can involve different coverage triggers. The actual services and offered policy terms determine the appropriate structure.
Are medical services included?
Medical, invasive, or higher-risk services may require specialist markets and should not be assumed eligible for an online small-business program.
Online eligibility and coverage are not guaranteed. Products, terms, pricing, effective dates, and document availability are determined during the application. Actual policy documents control.