Business Insurance OverviewBrainwasheducationonline.com

Salon Owners Personal Property• Special Form including theft, $250 Loss Deductible• • Replacement cost coverage

• Property Enhancement Endorsement / $250 Loss Deductible • INCLUDED• Personal Effects and Property of Others/Maximum per occurrence $10,000• Signs and Barber Poles $ 5,000• Employee Dishonesty $ 5,000• Electronic Data Processing Equipment and Media / On premises$ 2,500• Off premises $ 1,000• Money & Securities / On premises $ 2,500• Off premises $ 1,000• Fire Department Surcharge $ 2,500• Business Income Option $25,000• Criminal Information Reward $ 1,000• Sewer or Drain Backup $ 2,500• Enhanced Glass Coverage$ 1,000• •

• • *Only the actual policy forms can provide coverage terms

Professional Liability

• General Liability Aggregate Limit $2,000,000• Products/Completed Operations Aggregate Limit

$1,000,000• Professional Liability• Included• Each Occurrence Limit $1,000,000• Personal and Advertising Injury Limit $1,000,000• Tenant Fire Legal Liability $ 100,000• Medical Expense Limit $ 5,000• No Bodily Injury Deductible 0• Additional Insured Included• Non-owned auto Liability

Independent Contractor Liability• General Liability Aggregate Limit $2,000,000• • Products/Completed Operations Aggregate Limit $1,000,000• • Professional Liability• Included• • Each Occurrence Limit $1,000,000• • Personal and Advertising Injury Limit $1,000,000• • Tenant Fire Legal Liability $ 100,000• • Medical Expense Limit $ 5,000• • No Bodily Injury Deductible 0

• Additional InsuredIncluded• • Non-owned auto Liability Available

Legal Insurance• Our plan is to help your business succeed.

• The Small Business Plan includes the following areas plus many more.• Debt Collection 10 initial collection letters written per month• Contract Review• 3 contracts (up to 15 pages each) reviewed each month• Executed Contract Review• 1 signed contract (up to 10 pages) reviewed each month• Document Review• 3 business documents (up to 15 pages each) reviewed each month• Legal Correspondence• 1 letter per legal subject matter per year (with a copy for your files)• Trial Defense Services• 75 hours per year (15 pre-trial, 60 at trial) if your business is named defendant or respondent in a covered civil action relating to business*• *This benefit is not available in WA, NV, NY, or Canada• Save On Additional Legal Services• 25% discount on hourly rates for additional litigation and legal• work, and 5% discount on standard contingency fees• • Our Attorneys Provide Legal Consultation

• Pick up the phone and call your provider law firm on any legal issue affecting your business such as:• Hiring/firing• Vendor Issues• Small claims Intellectual Property• Equipment leases Creditor Harassment• Incorporation Identitity Theft• Bankruptcy Government Compliance• Joint ventures Verbal Contracts• Landlord/tenant disputes City Zoning• Bad check recovery Workers Compensation• Customer complaints