Lund & Guttry LLP

36917 Cook Street Suite 102, Palm Desert, CA 92211


Phone:  760-568-2242

Fax:      760-346-8891



May 2022

May 2022 Client Profile

Client Profile

Lucy is preparing to open her hair salon, but she isn’t sure what types of insurance she’ll need. Beyond health insurance for herself, what other insurance policies should she have?

Lucy should secure a general liability policy that will help protect her company if a client is injured. For example, slipping on a wet floor. Since general liability insurance pays claims she may owe to others, she’ll also want to consider commercial property coverage. This will cover losses if any of her equipment or building is damaged.

If Lucy plans to hire employees, the state will require her to obtain a workers’ compensation policy to cover workers who are injured on the job.

Other optional insurance policies Lucy should evaluate include: business income interruption, professional liability, commercial umbrella, disability and life. She may not need all of these policies but should review them with her insurance professional to make an informed decision.

Client Profile is based on a hypothetical situation. The solutions discussed may or may not be appropriate for you.


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