“For over 20 years Universal Insurance has provided our customers with professionalism and a level of genuine customer service that is unmatched in any industry. The staff has extensive, hands-on knowledge of the tanning industry and works with us to create products to meet our needs.”
“Before switching to Universal Insurance, we were working with a local insurance agency that was unfamiliar with our industry. This caused us to spend a lot of time explaining our equipment, procedures, and services to them, which created more paperwork and higher rates. Moving to Universal was such a valuable decision and so easy to do – they know the equipment, understand the business, and could identify what we need to get the best coverage with just a few questions. With Universal, we got an insurance policy that was tailored to our business, and at a lower rate. As we begin to expand our brand and develop franchises, we know Universal will be there.”
“Universal Insurance was built on a code of ethics that include honesty, integrity and friendliness. We pride ourselves on treating everybody with open communication and respect. For over twenty years, our experienced team of specialized insurance professionals create an ease of mind for our clients all across the country. Universal Insurance is a solution based organization that solves problems in order to protect your business.”
Professional Liability for the Day Spa industry provides an insurance solution to protect salon owners in the event of claims or lawsuits alleging damages as a result of their insured services.
General Liability insurance protects business owners in the event of claims alleging damages as a result of their operations or premises.
This insurance provides protection to the owner of the building structure in the event of damage by a covered cause of loss.
Also known as Business Interruption, this insurance protects the owner of a business from loss of income as a result of damage to property by a covered cause of loss.
Equipment Breakdown insurance covers loss due to mechanical or electrical breakdown (not maintenance) of any type of equipment.
This insurance provides protection to the owner of signs (attached to the building, freestanding or on awnings) in the event of damage by a covered cause of loss.
Part of Crime Coverage, Employee Dishonesty protects a business owner from loss of money or property as a result of employee theft.
Business Personal Property Coverage
This insurance provides protection to the owner of the furniture, fixtures, machinery, equipment, stock, tenant improvements and betterments and other personal property used in the business in the event of damage by a covered cause of loss.
This insurance, which is mandatory in most jurisdictions, covers employees for medical expenses and loss of wages as a result of an injury while on the job.
Employment Practices Liability
Protects employers from claims alleged as a result of violation of employment laws. Most common claims are sexual harassment, wrongful termination, discrimination, and wage and hour violations. Employment Practices are excluded from standard General Liability forms.
Usually a separate policy written through the US Government’s Flood Plan, this coverage is for any type of rising water claim that is not a result of damage first caused to allow the water in (ie roof damage). The peril of flood is normally excluded from standard Property Insurance.
Umbrella policies provide limits over underlying policies in order to increase the amount of coverage available. Umbrella policies usually can “go over” General Liability, Professional Liability, Employers’ Liability and Auto Liability. They usually follow the coverages and forms of the underlying policies and do not kick in until the underlying limits have been exhausted.
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Coverage designed with you in mind.