Brazil Bronze Glow Bar is an Appointed Insurance Affiliate for Allied
Beauty Experts, a national association that specifically caters to the beauty
industry.

Combined General Liability and Professional Liability Insurance, with Optional Property Coverage
This means that you are covered for slip and fall type accidents as well malpractice, treatment-related claims. You can add business personal property coverage on the same policy. This covers your contents for fire, theft, water damage, etc. No more having to take out policies from multiple providers.

Most salon/spa/medispa insurance on the market are "Claims Made" policies, as opposed to "Occurrence Based". Here's the vital difference:

Claims Made: This means you must do the treatment and file the claim during your policy period. If you change your coverage or your insurance company - you may have a problem. So, if the insurance company raises their rates, or changes what they cover, or your policy lapses, and then you have a claim, you are not covered.

Occurrence Form: As long as you have coverage when you perform a treatment, you are covered forever - even if you switch insurance companies. This is much higher quality of coverage. Allied Beauty Experts only offers this type of policy.

Insurance Specifically Designed for the Beauty Industry
This is important because the more knowledge your insurance provider knows about your industry, the better they can serve you. ABE has been around for 25 years and covers all services within a Salon, Spa or Medispa. Your policy is tailored to your business model.

A Detailed, Easy to Understand Policy Summary
Insurance policies are often confusing and hard to understand, so most people are unsure of exactly what they are covered for until it's too late. With Allied Beauty Experts, you will get a summary page detailing exactly what your policy covers. Also, at any time, you can log into your member account to add services and technicians so you will never have gaps in coverage. ABE offers free Coverage Analysis, just send them your current declarations page.

Spray Tan Policy $309.00 (add Mobile Technician $629.00)

A Detailed, Easy to Understand Policy Summary
- Professional (Malpractice) & General Liability (Slip & Fall) on Same Policy
- Optional Property Coverage
- Occurrence Based
- $1 million per Occurrence / $3 million Aggregate
- $0 Deductible
- $100,000 Damage to your Premises
- $5,000 Medical Pay
- $1 million Product Liability
- $1 million Advertising, Libel, & Slander

Allied Beauty Experts Is a US-based Association
Some insurance providers targeting this industry are based abroad and farm out the claim process to third parties, making claims even more difficult than they already are. Others are Risk Retention Groups (a group self-insurance policy). ABE is an industry-specific Association, based in Colorado with members in every state. Salon/Spa/Medispa Insurance is one of the many programs they provide.

This covers 1 Technician, Brick and Mortar Location, and Basic Skin Care Services including Spray Tanning, with options for adding Mobile Services, Sexual Misconduct Coverage, and Property Coverage.

It is imperative to have insurance even if you are just offering a service once or twice a week. Besides the obvious reason to have an insurance policy, it also shows your clients that you are a professional.

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