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I cant find the link on BT to insurance information... the one I found lead to Atwood e-file website.

Any suggestions?
I have just purchased a liability policy through State Farm. It is a company I trust and have done business with for years. They explained how everything is covered in every imaginable situation and I thought it was a reasonable price... Shoot me an email if you have any questions...
I have mine through State Farm as well. I love that I can have auto deduction from my business checking account. It's one less bill I have to worry about! It covers everything that happens inside my salon while my landlord's insurance covers everything that can happen outside the salon. I feel pretty safe with them and it's only about $30 a month.
I had Liberty Northwest and after many many accounting issues and billing problems - I switched two years ago to State Farm.... no problems and no hassles. It's about $30 per month.... hope that helps.

sobeit

I use American Family. I was tired of SF charging me extra to bill me and take payment. I went with American Family ins. $22 a month for the same coverage I had. Auto paid and saves me over $80 a year.
I use State Farm. A bit under $30 per month. It comes out automatically each month. No problems thus far.
Brenda
Sobeit what on earth were they charging you $80 a year for? I literally just signed up with them and they charge $1 extra for auto draft or you can save that and pay it all up front. For $1 I'll deal with it for convenience purposes. You may want to double check as to why you where being charged so much??? I'm glad I changed to state farm, it sounds like I made the right move!
(01-29-2012, 04:06 PM)Miss V Wrote: [ -> ]I cant find the link on BT to insurance information... the one I found lead to Atwood e-file website.

Any suggestions?

Vickie.. where did you see that link so I can correct it.. thanks

sobeit

(01-30-2012, 09:41 PM)nailtechNC28117 Wrote: [ -> ]Sobeit what on earth were they charging you $80 a year for? I literally just signed up with them and they charge $1 extra for auto draft or you can save that and pay it all up front. For $1 I'll deal with it for convenience purposes. You may want to double check as to why you where being charged so much??? I'm glad I changed to state farm, it sounds like I made the right move!

To be sent a bill, and to process my bill. That's why I left. No need for me to worry though, I've been with AFI for 6 years. Much cheaper for me and I like them better.
I just recently changed to Massage Magazine Insurance Plus. They cover many different professions. $165 for the year.
It is primarily liability insurance and not property or casualty insurance as the salon owner already has property insurance.

(05-30-2012, 07:43 PM)Nail Raising Wrote: [ -> ]I just recently changed to Massage Magazine Insurance Plus. They cover many different professions. $165 for the year.
It is primarily liability insurance and not property or casualty insurance as the salon owner already has property insurance.



http://www.massageliabilityinsurancegroup.com/
I have State Farm also, no problems and very reasonable.

What is covered under professional liability insurance? I am an employee in a salon. Am I covered under their policy?
(07-11-2012, 01:00 PM)scotchtapeandrhinestones Wrote: [ -> ]What is covered under professional liability insurance? I am an employee in a salon. Am I covered under their policy?

As an employee, not a renter, you should be. But you will want to sit down with the owner or manager to ask questions about their specific policy.
It does not matter if you are an employee or a renter....you should always carry your own professional liability insurance. Yes, the salon should be carrying liability on you but if a client decided to sue you for something you did to them not only would they sue the salon but since you carry a license and were the tech that did the work on them they can also sue you personally.
I am a business underwriting specialist for State Farm. All the answers provided here are right on. If your an employee, you should feel pretty safe that your covered. The relationship of employee/employer would put the vicarious liability into play as employees are considered covered under the business owners policy. I would only pray that the salon owner purchased the professional liability endorsement. However, if that employee does work on the side should have their own policy. Now if you were a renter and leased a chair, this is when you should have your own policy for sure. As for price, its a matter of what coverages you want to have and at what limits.
Im in the process of switching from state farm to farm bureau. Its $80 less a year with $1mil liability and $2k property.