Short answer: Usually, yes. A prior claim may narrow the carriers willing to quote or change pricing, but independent agencies can access multiple standard and specialty markets.

The details

Carriers will ask for loss runs and what changed afterward.

Documented safety or sanitation improvements help.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: loss runs · online vs. agent.

More questions: Does salon insurance cover earthquake damage? · Do mobile hairstylists need insurance? · Does barber insurance cover razor cuts?.

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