Making Changes
Creating a comfortable, fun environment in your salon is the key to attracting and retaining clientele. As we know, salon owners are always looking for ways to set themselves apart from the pack. Will...
View ArticleMaintenance Matters
Performing the regular maintenance that keeps your salon clean and tidy may come naturally to you and your staff, but are your exterior surroundings cared for in the same way? As a tenant in a shopping...
View ArticleDamage Control
Dealing with property damage at your salon can be extremely frustrating, and that frustration is multiplied when another party is responsible. Unfortunately, our office sees many claims of this type...
View ArticleAbout Legal Entities
Every business operates as some type of legal entity, such as a sole proprietorship, partnership, or a corporation. If a business starts as a sole proprietorship, it is common for their legal counsel...
View ArticleBefore You Sign …
Lease agreements are like insurance policies – boring and difficult to read. But because a lease is a contract, it’s very importantto understand what is IN it. As a salon owner, some of the most common...
View ArticleKeep It In Force!
A common practice for salon owners is to prioritize expenses, and insurance is often at the bottom of the list, if it makes the list at all. Paying rent is a no-brainer – without a storefront, you do...
View ArticleIs It Covered?
As a salon owner, it is common for you to constantly be approached by salespeople wishing to provide you with services or products. Their opening lines usually relate to saving you money, and what...
View ArticleCould Your Business be Next?
Cyber Liability is now a BUZZ word. Business owners would like to think that security breaches are a thing of the past, but threats continue to escalate. But WHY? As a society, we are so dependent on...
View ArticleEPL: Three Little Letters Can Be a Big Deal
Business owners have many responsibilities, including taking care of staff. Employment laws, minimum wage and compensation requirements are continually changing. At your salon, employees are...
View ArticleWant to Play a Game? Test Your Tanning IQ!
It is estimated that the majority of all insurance claims are preventable. While some are the result of natural disasters or theft, many are due to negligence or a lack of basic safety training and...
View ArticleCrime Never Takes a Holiday
Finally … the Busy Season is near! That means scheduling extra staff, stocking your shelves with additional retail items, and the best part – more customers walking through your doors! However,...
View ArticleBundling UP!
Even though Universal Insurance is based in warm and sunny Phoenix, AZ where it’s rare to bundle up for the winter, we do recommend “bundling” when it comes to your salon insurance needs. 1. Cost...
View Article6 Steps to Minimize the Risk of Sexual Abuse in Tanning Salons
The tanning salon environment and services provided often involves soft lighting, minimal clothing, and close contact between staff and customers. These characteristics that help create a serene...
View ArticleTornado and Severe Weather Tip Sheet
Universal Insurance has developed a series of educational videos that are designed to help you create a safer salon environment. Topics include: “How to Avoid Overexposure to UV Light” and “How to...
View ArticlePreventing Water Damage
Your salon contains many appliances and devices that operate with water, and each of these, if left unchecked, has the potential to cause thousands of dollars in damage or shut down your business,...
View ArticleSalon & Spa Safety Checklist
It’s an industry fact: the majority of insurance claims are preventable. Often, the difference between a safe, smooth-running business, and one filled with headaches and potential financial...
View ArticleInvasion of Privacy – Part I It’s More Than Just Peeping Toms!
In today’s world, the subject of personal privacy and what is considered an invasion of privacy are front and center. Some acts, like social media behemoths illegally sifting through our personal data...
View ArticleInvasion of Privacy – Part II It’s More Than Just Peeping Toms!
In the July issue, we reviewed several ways to protect yourself and your business from lawsuits and claims involving invasion of privacy. In addition to protecting your customers “physical and personal...
View ArticleInsurance Coverage, Lattes & Cell Phones How to Pay for Them All!
The typical tanning salon today offers nine UV-tanning systems, one spray-tan system and one spa service. Over the course of the year, the average salon of this size will generate more than 20,000...
View ArticleOutrageous Insurance Claims
Not having the proper insurance coverage when accidents happen is no laughing matter. At the same time, we thought it would be nice to take a break from the standard business fare by sharing with you...
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