Beauty and body care
Beauty and body care insurance aims to provide adequate coverage for professionals working in this field. Beauty and body care requires significant investment in equipment necessary for the proper functioning of your business.
At AMR, we know that this sector is run especially by women entrepreneurs who want to serve their clients well and run a healthy business. AMR frees you from the burden of looking for insurance so you can focus on your company!
This insurance is intended for hair salons, beauty salons, cosmetic clinics (electrolysis, eyelash extensions, permanent makeup, microdermabrasion, pedicures, nails, waxing, cosmetics, hair treatments, manicures, etc.), tattoo parlours, massage therapists, acupuncturists, chiropodists, and so on.
Types of coverage and options
Multiple coverages tailored to your situation.
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Civil liability
No matter the services you offer, the products you sell or the location of your business, we can cover your civil liability. Civil liability protection follows you step by step and protects you in the event of accidental damage to other people or their property. This coverage is your proof of solvency! This insurance will also protect you if an accident occurs on your company’s premises or if damages are caused to the property of others.
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Building and contents
In the event of damage caused by fire, theft, vandalism or any other risk, your building will be covered—if, of course, you are the owner of the building. This protection can also include your company buildings, their contents, leasehold improvements (if you are the tenant of the space) and your computer equipment, as the case may be. It is important to be aware of the exclusions mentioned in the contract.
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Operating loss
Operating loss insurance covers a decrease in revenue if you have to interrupt your operations or relocate due to an incident, such as a fire. This protection can also include additional costs that may be significant during an incident. This protection allows you to keep your earnings in place until your income returns to normal. Coverage is for 12 months, but it is possible to obtain 18 or 24 months of coverage. It is important to verify the number of months needed and the time frame for replacing your equipment.
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Professional liability
Known by two names, Professional Liability and Errors and Omissions, this protection covers you when an error occurs in the performance of a task in the course of your work.
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Cybersecurity
Cybersecurity protection protects you from the consequences of theft, hacking, or data loss. This protection may cover information theft, such as payroll fraud or attempted fraud. Cybersecurity protection is now important in all lines of business.
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Commercial vehicle
Commercial vehicle insurance is determined by how you use your vehicle(s). Our protections are suitable for all types of commercial vehicles, ranging from a fleet of trucks or cars to a single vehicle used for your company or for your personal use.
Think about it!
Our independent brokers are insurance experts. But that’s not all!
Our team of independent insurance brokers doesn’t copy and paste coverage from one industry to another. AMR has experts for each line of business that we insure and is committed to providing coverage tailored to your activities.
It is essential to declare all of your activities: beauty, electrolysis, eyelash extensions, permanent makeup, microdermabrasion, beauty salons, hair salons, tanning beds, hair treatments, massage therapy, body care, pedicures, nails (gel/acrylic), manicures, cosmetics, photorejuvenation, laser hair removal, etc.
Contents also include office equipment and leasehold improvements. Therefore, it is important to confirm the insurance amounts. If you provide body and beauty care out of your home, it is possible to cover your activities.
Cybersecurity protection is important in your field because you have access to your clients’ sensitive data.
There is a specific product to cover your liability for your activities and workplace. There is also protection for professionals who work out of their home.
Errors and omissions liability protection (also known as errors and omissions) is important in your field because it covers the risks of client injury and lawsuit related to your business activities.
Other option
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New value/replacement value
This coverage allows you to replace your property that has been damaged without deduction for depreciation. The premium will be determined based on the new value. It is important to be aware of the exclusions mentioned in the contract.
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Theft and embezzlement
Theft and embezzlement coverage provides compensation if an employee steals from you.
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Earthquake
With this coverage, you will be protected in the event of an earthquake that damages your commercial building and its contents. This protection is becoming increasingly valuable in the face of climate change.
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Water damage
With this coverage, you will be protected in the event of water damage to your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.
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Flood
With this coverage, you will be protected in the event of water flooding that damages your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.
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Sewer backup
The name says it all! This protection covers you against sewer backup in your commercial building. The contents will be protected and you will be compensated for decontamination, building repairs and content replacement. It is important to be aware of the exclusions listed in the policy and to have high enough amounts to cover this type of expense.
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Equipment breakdown
With this type of insurance, your company will be protected against losses caused by equipment breakdown (heating, air conditioning, refrigeration, production or transformation machinery, electronic or electrical devices). It is important to be aware of the exclusions mentioned in the contract.
Tips and advices
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
We’re passionate about insurance
We compare the best protections
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