CHES Special Risk Inc. is one of the leading Package providers to the Salon and Spa Industry. Our unique offering is to cover the risks that traditional package insurers may miss or provide at inadequate levels. We therefore design our Salon and Spa Insurance products to provide a specific and tailored policy that gives you best cover at the right price.
MICROPIGMENTATION
MICROBLADING
SKIN NEEDLING
LASER TREATMENTS & SPAS
HAIR & NAIL SALONS
Our long term involvement in this specialist area providing tailored solutions is what sets CHES Special Risk Inc. apart. We can cover the buildings, contents, equipment and the associated covers, such as Business Interruption, in addition our specialist coverage for the CGL and medical malpractice is designed to ensure that we provide one of the most extensive Salon and Spa Insurance product offerings in the market
COVERAGE HIGHLIGHTS
- Commercial Broad form with various limitations and exclusions for Buildings and contents.
Commercial Form extensions include:
- Contents
- Glass
- Earthquake and Flood
- Master Key
- Extra Expense
- Fine Arts
- Business Interruption – ALS 12 months
- Crime
- Commercial Condo Unit Owners Endorsement
- Money
- Coverage extension to Include Boiler and Machinery
COMBINED MEDICAL MALPRACTICE/ERRORS AND OMISSIONS AND CGL LIMITS UP TO CAD $5,000,000
CGL extensions include:
- Tenants Legal Liability
- Pollution (Sudden and Accidental)
- Medical Payments
- Employee Benefit Liability
- Personal and Advertising Liability
- Employment Practice Liability
- Products Recall Expense
- None Owned Auto
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