Protect Your Business with a
Salon Select Insurance Policy

Insurance for a sound mind, body and soul

Specifically designed for:

• Barber Shops
• Beauty Parlours/Hair Styling Salons
• Day Spas
• Ear/Body Piercing Studios
• Electrology Offices
• Massage Therapy
• Nail Salons
• Tanning Studios
• Tattoo/Permanent Make Up Parlours

Your Salon Select Insurance Policy Covers...

YOUR BUILDINGS
The coverage includes all buildings and structures on the premises including completed additions; permanently installed fixtures, machinery and equipment; outdoor fixtures; additions under construction, alteration or repairs, as well as the materials, equipment, supplies and temporary structures used for making them. It also covers property owned by the Insured used to maintain or service the buildings or structures on the premises including fire extinguishing equipment, outdoor furniture, floor coverings, and appliances used for refrigerating, ventilating, cooking, dishwashing or laundering. - on an "ALL RISKS - Replacement Cost" basis.

YOUR BUSINESS CONTENTS
The coverage includes property owned and used in the business and, if you are a tenant or Condominium Unit Owner, it also covers your interest in building improvements that you make or acquire. - on an "ALL RISKS - Replacement Cost" basis.

LOSS OF INCOME
(for up to 12 months past the date of direct physical loss or damage, regardless of when repairs are completed) caused by an interruption in your business resulting from a Covered Cause of Loss. This Policy also covers those expenses you incur to resume normal business operations after the loss.

CRIME COVERAGE
to protect your MONEY AND SECURITIES, MONEY ORDERS AND COUNTERFEIT PAPER CURRENCY, FORGERY AND ALTERATION exposures and also covers EMPLOYEE DISHONESTY. Money and securities limits are automatically enhanced by 25% to provide for seasonal variations.

BUSINESS LIABILITY
to cover you for bodily injury and property damage claims arising out of your operations. If you are a tenant, the policy also covers your TENANTS' LEGAL LIABILITY for damage caused by a Covered Cause of Loss to a premise that you rent. Professional Liability is optional.

BOILER & MACHINERY to cover you for loss or damage caused by a breakdown to the insured equipment. This coverage includes loss or damage to spoiled perishables as a result of the breakdown to the insured equipment.

PLUS...
The following coverages are included in the
Salon Select package for no additional charge:

• Blanket By-Laws - covers loss to the undamaged portion of the building as well as the demolition costs caused by the enforcement of any by-law. Increased costs to repair, rebuild or construct the damaged portion caused by the enforcement of any by-law are also covered.
• Blanket Glass - covers loss or damage to your building glass including lettering or ornamentation and encasing frames.
• Consequential Loss - covers your Business Contents damaged by freezing, dampness or dryness of atmosphere, or changes or extremes in temperature if the loss results from the building or equipment in the building having been damaged by a Covered Cause of Loss.
• Damage to Buildings by Theft - if you are a tenant and liable, damage to the building you occupy
• Electronic Data Processing - up to $25,000 to cover your hardware, media and records. Coverage is extended for equipment off premises, subject to 10% of the EDP amount of insurance or $25,000, whichever is less.
• Fine Arts - up to $10,000 to cover your paintings, etchings, pictures, tapestries, and other bona fide works of art of rarity, historical value, or artistic merit.
• Jewellery - up to $10,000 coverage is available to cover lost or damaged jewellery if caused by a Covered Cause of Loss.
• Outdoor Signs - if the sign is damaged by a Covered Cause of Loss, we will cover up to $15,000.
• Peak Season Increase - the amount of insurance on Business Contents is automatically increased by 25% to provide for seasonal variations.
• Personal Effects and Property of Others - which is not already insured, for up to $50,000 at each described premises.
• Property - Off Premises - up to $10,000 may be applied to Building and Business Contents (other than money and securities) temporarily away from your premises. This includes PROPERTY IN TRANSIT, PROPERTY AT A FAIR OR EXHIBITION, SALESPERSON'S SAMPLES and PROPERTY SENT BY COURIER OR PARCEL POST.
• Retailer's Product Impairment - if you are a retailer, we will reimburse you up to $5,000 per recall (agg. $25,000) for lost profits due to a product recall.
• Employees as Insureds - for bodily injury or property damage claims arising out of their duties. Independent contractors are considered employees.
• Employers Liability - for bodily injury claims by employees not covered under Workers' Compensation.
• Medical Payments - if bodily injury occurs on your premises, on the way next to your premises, or as a result of your operations, we will pay up to $5,000 to cover necessary medical expenses, whether you are liable or not.
• Non-Owned and Hired Automobile Liability - for claims arising out of the use of non-owned vehicles for your business.
• "Occurrence Basis" Liability - for injuries due to unexpected or unintended happenings during the policy period.
• Personal and Advertising Injury - for claims arising out of libel and slander, false arrest, wrongful eviction, infringement of copyright, etc.

PROFESSIONAL LIABILITY COVERAGE is available to cover the rendering, or failing to render, your professional services. Coverage limits are available up to $5,000,000.

Many other optional coverages are available. Please contact your Broker for more information. Ask your Broker for brochures on the following related items:

• Tanning Safety Guidelines
• Infection Prevention and Control Practices for Personal Services:
  
  • Tattooing
  • Ear/Body Piercing
  • Electrolysis

Wawanesa Insurance A Great Canadian Success Story

Wawanesa Insurance was founded in 1896 in the Village of Wawanesa, Manitoba. We have eight branch offices across Canada and one in the United States. With over $4 billion in assets, 1.5 million policies in force and 2,000 employees, Wawanesa is one of the largest property and casualty insurers in Canada. In fact, the most respected insurance rating agency, A.M. Best, has consistently awarded Wawanesa an A+ (Superior) rating based on financial strength and stability.

Wawanesa is successful because we pride ourselves on claims service. Once policyholders have experienced a claim with Wawanesa, they are customers for life.

Wawanesa proudly partners with over 1,300 Insurance Brokers across Canada. On behalf of our Brokers, we thank you for buying Canadian.

Armour Insurance Group can offer you a custom commercial insurance program and a highly competitve quote!

At Armour we make getting affordable insurance as easy as:

To find out how Armour Insurance can meet your business needs,
please e-mail us at north@armourinsurance.ca
or by Telephone:

780.475.0959