Personal Services Industry Insurance | T Hudson Risk Advisors

Personal Services

The day-to-day activities involved in owning a Personal Service business can leave the owner vulnerable to unique risks. The Personal Service Industry helps their clients live their best lives, look their best and provides a more secure level of self-esteem. Let us help your industry feel more secure about your Personal Service business.

Types of Personal Services We Insure:

Advertising
Barber shops
Commercial art and graphic design
Commercial photography
Cosmetology
Cryotherapy Suites
Day Spas
Dry cleaners and garment services
Estheticians
Funeral homes and crematories
Hair Stylists
Massage Therapists
Nail salons
Pet grooming
Photographic studios
Salons, Stylists, & Spas

Recommended Coverages

Business Owners Policy (BOP)
Business Income Policy
Cyber Security & Data Breach
Commercial Property
General Liability Insurance
Professional Liability Policy
Umbrella Policy
Workers Compensation

Common Policy Endorsements

Liability Coverages

Limits of up to $2 million per person / $4 million per occurrence.
Damages to premises rented up to $1M
Hired Auto / Non-Owned Auto
Beauty salon Professional Liability
Employment Practices Liability limits up to $1M for sexual harassment, breach of contract or wrongful termination.

Property Coverages

Building and Business Personal Property
Accounts receivable up to $50,000
Business Income loss up to 12 months
Employee dishonesty up to $25,000
Money and Securities up to $25,000

Workers Compensation

Lost wages and benefits
Medical care and rehabilitation services
Legal representation and compliance services
Employers liability up to $2 million per accident/$2 million per policy/ $2 million per employee

In Their Own Words

Why Clients Trust T. Hudson Risk Advisors

“T. Hudson leaves no stone unturned. They provided a complete insurance package and answered all of our questions. Now we feel like we are in control of our insurance program and have a sense of comfort knowing we are protected.”

“There are many choices when it comes to insurance services. In the past this gave us a feeling of uncertainty. T. Hudson’s process from beginning to end made us certain we made the right choice.”

“Todd & his team respond to our questions and requests quickly and accurately. This gives us reassurance that we are important to them. They have a knack of breaking down complex circumstances and make them easily understandable. This is very important for our business. "

“Great company to work with.”

“The service and pricing that T. Hudson provides for our business is very much in line with how we treat our valued customers. Five Stars!!”

“Our industry (Technology) is constantly evolving and growing. T. Hudson has been with us every step of the way. Todd has been able to keep us out in front of insurance related issues which allows us to keep moving forward.”

“T. Hudson has provided my clients with professional service, recommendations and has a proven track record of providing significant savings for my clients business insurance costs. Todd has become my recommend vendor for Business Insurance.”

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