Short answer: Compare quotes on the same coverage: limits, deductibles, occurrence vs. claims-made forms, covered services, exclusions, sublimits and whether employees and property are included. The lowest price is not a bargain if it excludes your main service.

The details

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Check certificate turnaround too.

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

Related: how to choose · comparisons.

More questions: What insurance does a barber shop need? · What is a certificate of insurance for a salon? · Does salon insurance cover waxing burns?.

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