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Insurance Coverage

AIA has partnered with Marine Agency to create extremely cost effective professional liability and/or property insurance packages exclusively for AIA members. Our goal was to keep the cost affordable and ensure that as an AIA member you will be more than adequately covered for insurance needs. The savings on these policies alone, more than covers your membership fees.

Marine Agency has provided insurance coverage since 1922, and has specialized in the beauty trades for over 30 years. They often say trust an insurance professional who knows your business as well as their own. Their industry expertise is recognized by the various salon, spa, aesthetic, and electrology associations that refer members to them for insurance protection. They have studied our industry for years and they understand how to secure the appropriate coverage for the services we offer. In addition, their staff has an average tenure of over 10 years the representatives who speak with customers have a breadth of industry knowledge not often encountered with other carriers.

Policies offered by Marine Agency are written through A and A+ rated insurance carriers in order to offer a stable market for coverage. They represent multiple insurance carriers in order to ensure that they continue to offer the best combination of coverage and price for each individual business. Each policy can be customized to suit the needs of each individual business, taking into consideration various factors including coverage needs, exposure to loss, and the types of services provided. Unlike most association policies, the coverage limits purchased by our customers are their own. Whereas, most of the association or group policies available contain annual aggregate (maximum) coverage limits for the entire group. A bad year on a group policy could potentially use up the limits of coverage.

We are pleased to offer coverage to AIA members
(Mention referral code "AIA")

191 Maplewood Avenue, Maplewood New Jersey 07040
fax: 973-763-1635
toll free: 800-763-4775 extension 14 (Charlie)
internet: www.marineagency.com
California License # 0645476

AESTHETICIAN EMPLOYEES

Who: Aestheticians who are employees of salons, spas, skincare clinics, and medical offices.

What: Professional liability (malpractice) coverage -- $1,000,000 per claim / $2,000,000 aggregate
Coverage follows you wherever you work.
No limitations on types of waxing or microdermabrasion. Most peels are covered.

How: apply.marineagency.com

INDEPENDENT CONTRACTORS AND BOOTH RENTERS WITHOUT EQUIPMENT

Who: Aestheticians who are booth renters or independent contractors who do not provide their own equipment and supplies.

What: Professional liability (malpractice) coverage -- $1,000,000 per claim / $2,000,000 aggregate
General liability (trip & fall) coverage -- $1,000,000 per claim / $2,000,000 aggregate
Coverage follows you wherever you work.
No limitations on types of waxing or microdermabrasion. Most peels are covered.

How: apply.marineagency.com

BUSINESS OWNERS AND CONTRACTORS WITH THEIR OWN EQUIPMENT

Who: Aestheticians who own their own skincare clinic / spa and/or Booth renters or independent contractors who provide their own equipment and supplies.

What: Professional liability (malpractice) coverage -- $1,000,000 per claim / $2,000,000 aggregate
General liability (trip & fall) coverage -- $1,000,000 per claim / $2,000,000 aggregate
Property coverage  customized to include your equipment, supplies, furnishings, etc.
Coverage follows you wherever you work.
No limitations on types of waxing or microdermabrasion. Most peels are covered.

How: apply.marineagency.com

PROFESSIONAL LIABILITY INSURANCE PROGRAM
BODY MED (SM)
For more information : marineagency.com/desktop/?page_id=700

PROFESSIONAL LIABILITY COVERAGE
Coverage form: Claims made basis, defense inside limits
Carrier: Lloyds of London
Retroactive date: Policy inception

LIMITS
$2,000,000 aggregate limit
$1,000,000 each claim limit
$1,000 medical payments
$0 deductible

Discounts available for AIA members
(Mention referral code "AIA")

*Please note:

  • Association membership is not a requirement of coverage, though Lloyds of London is offering a substantial discount for members of SCMHR and AIA.
  • A premium tax ranging from 3.25% to 6.1% will apply in addition to these rates. The tax rate varies by state.
  • Coverage for medical directors is available only with a technician; stand-alone medical director policies are not available.
  • "Laser Professional" services include treatment of veins, age spots, rosacea, photo facials, skin rejuvenation, wrinkle reduction, cellulite services, cosmetic acne treatment, tattoo removal, and hair removal

Notable exclusions:

  • Claims arising from clients if there is not a signed consent on file
  • Laser work on pregnant women
  • Prescription use (coverage for prescription anesthetics for laser/IPL work is available upon request)
  • Raised tissue work
  • Eye area work & failure to use goggles
  • Work on individuals under 17 years of age
  • Coverage for skin types V & VI requires one year of experience
  • Consult the policy for all specific terms and conditions and complete policy exclusions

Binding requirements

  • Completed and signed insurance application (enclosed, complete separately for each technician)
  • Certificates of training for laser/IPL for each technician with less than one year experience
  • Copies of your consent, medical history, and post-treatment instruction forms if you are not using the pre-approved Lloyds of London versions. Samples are online at http://www.marineagency.com/laserforms.html
  • State required forms (if any, will be forwarded to you upon receipt of your insurance application)
  • Premium payment.