Utica First Barbershop BOP—a unique insurance program for barbershops of all types
For over two decades, Utica First has offered its unique business owner’s policy (BOP) for many different small businesses, including barbershops of all types.
It’s a new year and a perfect time for barbershop owners—whether traditional, modern, luxury, or specialty shops—to ensure their businesses are protected against financial loss from an unexpected event.
Proper coverage should be treated as an investment to protect the business, its stakeholders, and all its assets. Proactively protecting the business allows barbershop owners to focus on delivering their services—haircuts and styling and grooming services, such as shaving and trimming beards—and focusing on customers who come not just for the service, but also for the social aspect of community conversations.
A Business Investment
Small businesses that are not protected or don’t have enough coverage are exposed to financial losses that they may not be able to recover from. Utica First understands the commonplace, inherent risks barbershop owners face each day, which include slip-and-falls, cuts, and reactions to various products used. Having proper coverage will mitigate these risks, giving business owners the peace of mind they need to focus on growth.
Standard Coverages
- Business Property Insurance—Helps protect the physical location that the business owns or leases, as well as property, such as tools, equipment, and inventory.
- General Liability Insurance—Helps protect the business from the financial costs of property damage, bodily injury, and personal and advertising injury claims made against the business.
- Business Income Insurance—Helps replace lost income when the business is unable to conduct business due to a covered loss, such as a theft or fire.
Optional Coverages
- Miscellaneous Professional Liability—Not just for doctors and dentists anymore! Many businesses have professional exposures that go beyond a general liability policy.
- Employment Practices Liability—This coverage provides protection for lawsuits due to wrongful terminations, sexual harassment, discrimination, and other employee issues.
- Cyber Liability—Protecting customer data is important to ensure they keep coming back.
Our Commitment to You Utica First is known for its long-standing commitment to treating its agents/brokers as partners and helping them anticipate policyholder needs and expectations, like offering both credit card and eCheck payments, and always being available to help you handle questions.
Learn More
If you have barbershops in the states of New York, New Jersey, Connecticut, Florida, Pennsylvania, Ohio, Maryland, Virginia, or Massachusetts, click here to learn more about how to build the best business owner coverage for them. #UticaFirst #KeepingInsuranceSimple #SmallBusinessInsurance #ContractorInsurance #ProtectYourBusiness
