Cyber Liability is now a BUZZ word. Business owners would like to think that security breaches are a thing of the past, but threats continue to escalate. But WHY? As a society, we are so dep... Read more
As a salon owner, it is common for you to constantly be approached by salespeople wishing to provide you with services or products. Their opening lines usually relate to saving you money, an... Read more
A common practice for salon owners is to prioritize expenses, and insurance is often at the bottom of the list, if it makes the list at all. Paying rent is a no-brainer – without a storefron... Read more
Lease agreements are like insurance policies – boring and difficult to read. But because a lease is a contract, it’s very importantto understand what is IN it. As a salon owner, some of the... Read more
Every business operates as some type of legal entity, such as a sole proprietorship, partnership, or a corporation. If a business starts as a sole proprietorship, it is common for their lega... Read more
Dealing with property damage at your salon can be extremely frustrating, and that frustration is multiplied when another party is responsible. Unfortunately, our office sees many claims of t... Read more
Performing the regular maintenance that keeps your salon clean and tidy may come naturally to you and your staff, but are your exterior surroundings cared for in the same way? As a tenant in... Read more
Creating a comfortable, fun environment in your salon is the key to attracting and retaining clientele. As we know, salon owners are always looking for ways to set themselves apart from the... Read more
While the entire indoor tanning industry can share in celebrating the fact that busy season is nearly upon us, Team Universal has another reason to celebrate. This month marks 25 years of wo... Read more
For additional risk management techniques, or if you have any questions, feel free to contact Universal Insurance – we are happy to help. If you can believe it, busy season is BACK an... Read more
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