A specialized business owners program for:

• Barbers
• Cosmetologists
• Estheticians
• Massage Therapists
• Booth Rentals
• Independent Contractors
• Beauty Schools
• Manicurists
• Tanning Salons including:
  • Spray-on Tanning
  • Airbrush Tanning
• Coverage for acupuncture, BOTOX, laser, tattooing, body piercing available in separate program

Insurance That's a Cut Above

You face unique business risks. Your business insurance should be unique, too. With a customized insurance solution for Beauty Salons, Spas and Barber Shops, you can be sure you have the protection that meets your business' needs - all at a competitive price.

The Personal Appearance Care Solution from TOMIA offers protection for businesses with these coverages:

• General Liability
• Professional Liability
• Employment Practices Liability  
• Property
• Workers Compensation
• Business Income and Extra Expense - Actual Loss Sustained
• Commercial and Personal Auto
• Umbrella
• Utility Interruption Loss of Income
• Cyber Liability
• Employee Theft
• Hired and Non-Owned Auto
• Equipment Breakdown
• Sign and Glass Coverage
• Cancer / Long Term Skin Damage** 
• Employees as Additional Insureds
• Coverage for Independent Contractors (leased chairs)
• Man more additional coverage options...

**Each of our partner companies have unique coverage options and are not available with all companies. 

Whether you own a barber shop, a hair salon, rent a chair in one or have a spa or tanning salon, Top O' Michigan Insurance has you covered.

To give your insurance a more personal touch, click the barber pole above or contact us today at 800-686-8664 or email BusinessDevelopment@TOMIA247.com.