Do Wisconsin stylists need liability insurance?
Wisconsin stylists and liability proof: what leases usually demand
Why Wisconsin suites ask for insurance
The Wisconsin Cosmetology Examining Board licenses practitioners. It does not generally replace personal liability coverage. Milwaukee and Madison landlords rarely accept a handshake in place of a certificate.
Certificate checklist Wisconsin hosts send
Typical asks include the legal name of the suite or salon, liability limits, and additional insured status for the building entity. A contractor label alone does not keep you on the solo CoverSmart path if you actually employ staff.
Online hair paths
CoverSmart online can fit eligible hair-only Wisconsin stylists. Many eligible solos begin near $193 yearly. Many eligible shops with up to three employees use Option 2. Those are starting figures, not guarantees for every Wisconsin address.
Nails or advanced skin services leave CoverSmart online. Stockton-Hill Insurance LLC custom-quotes those files.
Path-fit before you promise a bind date
Decide CoverSmart online versus custom before you tell a landlord a certificate will arrive this week. Wrong-door binds help no one.
Licensed specialty contact: Amanda Hill at Stockton-Hill Insurance. Former Ohio State Board inspector background. Phone (414) 251-0807.
Sources and limits
Board rules always win. This page is insurance guidance only, not a binder of coverage. CoverSmart and the policy forms control.
Related coverage pages