Excess and Surplus (E&S) Lines
Salon insurance glossary
Definition: Excess and surplus lines carriers write risks that standard carriers decline, with more flexible forms and pricing.
Why it matters for salons and spas
Med spas, laser services, IV therapy and salons with prior claims often end up in the E&S market through an agency.
Example
A med spa declined by standard carriers is placed with an E&S carrier.
Related terms
Learn more: day spa vs. med spa · full glossary · salon insurance questions.
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