Insurance Stock

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Insuring Investment Portfolios
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Monarch Life Insurance Company MA 1966 Stock Certificate
$12.75
quality
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National Liberty Insurance Company NY 1936 Stock Certificate
$14.41
quality
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American Amicable Life Insurance Co 1968 Specimen Stock Certificate
$24.99
quality
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1869 Union Mutual Insurance Co Stock Certificate
$26.95
quality
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Collectable Vintage Peoples Indemnity Insurance Company Stock Certificate
$3.99
quality
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THE CONNECTICUT FIRE INSURANCE COMPANY HARTFORD CONN1906 STOCK CERTIFICATE
$7.96
quality
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1862 Phoenix Insurance Co Stock Certificate Note Civil War Historical Nice
$9.99
quality
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1992 Winona Fire Insurance Co Minnesota Stock Certificate
$5.99
quality
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Stock Cerf National Liberty Insurance Co Punch Cancel S8518
$9.95
quality
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Stock Cerf National Liberty Insurance Co Punch Cancel S8528
$9.95
quality
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South Coast Insurance Houston Texas stock certificate
$9.99
quality
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FRANKLIN FIRE INSURANCE COMPANY1934 STOCK CERTIFICATE
$5.80
quality
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1962 TELEPHONE EMPLOYEES INSURANCE COMPANY STOCK CERTIFICATE MD
$6.99
quality
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Great Southwest Life Insurance Co 1949 Phoenix Arizona stock certificate share
$12.99
quality
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Early 1900s Fire Insurance Companies Stock Certificates Group of 9
$74.95
quality
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1872 Connecticut Fire Insurance Company Hartford CT Capital Stock Certificate
$24.99
quality
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1863 Phoenix Insurance Company Hartford Connecticut Capital Stock Certificate
$24.99
quality
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1864 Phoenix Insurance Company Hartford Connecticut Capital Stock Certificate
$24.99
quality
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Old Baltimore American Insurance Stock
$4.99
quality
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Franklin Fire Insurance Company of Philadelphia Stock Certificate
$2.69
quality
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VIRGINIA FIRE AND MARINE INSURANCE COMPANY1906 STOCK CERTIFICATE
$19.96
quality
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Reliance Insurance Company PA 1979 Stock Certificate
$12.75
quality
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HARMONIA FIRE INSURANCE COMPANY BUFFALO NY1925 COMMON STOCK CERTIFICATE
$7.80
quality
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South Coast Life Insurance Company TX 1955 state seal Stock Certificate
$8.46
quality
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University National Life Insurance Co OK 19 state seal Stock Certificate
$12.71
quality
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Gastonia Insurance Realty Company NC 1900 Unissued Stock Certificate
$10.16
quality
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1869 Manhattan Life Insurance Co NY Stock Certificate 306293
$42.39
quality
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German Mutual Fire Insurance Company of Savannah GA 1912 Stock Certificate
$11.01
quality
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Franklin Fire Insurance Company of Philadelphia Stock
$19.99
quality
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NATIONAL CAPITOL LIFE INSURANCE COMPANY1968 COMMON STOCK CERTIFICATE
$6.95
quality
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TELEPHONE EMPLOYEES INSURANCE COMPANY1962 STOCK CERTIFICATE
$4.76
quality
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United Fire Insurance Company 1965 New York old stock certificate share
$9.99
quality
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WORLCO Inc 1968 World Life and Health Insurance old stock certificate share
$19.99
quality
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World Life and Health Insurance Company of Penna 1966 WORLCO stock certificate
$19.99
quality
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South Coast Life Insurance Company TX 1956 Stock Certificate
$11.86
quality
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American Country Life Insurance Company 1953 Houston Texas stock certificate
$14.99
quality
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Stock certificate Baltimore American Insurance Company of New York 1929
$2.00
quality
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Norman OK University National Life Insurance Company 1960 Stock Certificate
$9.99
quality
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The Home Insurance Company 1963 New York stock certificate share
$6.99
quality
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Franklin Fire Insurance Company of Philadelphia Stock Certificate
$14.99
quality
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The Phoenix Insurance Company Stock Certificate Hartford Connecticut
$1.99
quality
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Reliance Insurance Company Stock Certificate
$2.69
quality
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Kentucky Central Life Insurance Company Stock certificate 1966
$5.00
quality
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1932 PACIFIC STATES LIFE INSURANCE COLORADO STOCK CERTIFICATE
$19.00
quality
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Home Insurance Company NY 1961 Stock Certificate
$11.01
quality
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Oriental Fire and Marine Insurance Company of San Francisco CA stock certificate
$39.99
quality
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International Re Insurance Corporation 1931 Stock Certificate
$15.30
quality
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THE HOME INSURANCE COMPANY1948 STOCK CERTIFICATE
$7.96
quality
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The Chesapeake Fire Insurance Co Stock Certificate
$89.00
quality
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Trans Beacon Corp Insurance stock certificate share
$3.99
quality
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Reliance Insurance Company stock certificate share
$4.99
quality
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THE PAUL REVERE FIRE INSURANCE COMPANYUNISSUED STOCK CERTIFICATE
$3.96
quality
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HOMESTEAD FIRE INSURANCE CO Maryland stock certificate
$8.99
quality
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American Amicable Life Insurance AL Stock Certificate
$12.75
quality
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Baltimore American Insurance NY 1929 Stock Certificate
$16.96
quality
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AMERICAN UNION FIRE INSURANCE COMPANY1910 STOCK CERTIFICATE
$18.00
quality
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Providence RI Insurance Stock Cert Signed Senator Governor Henry B Anthony
$59.25
quality
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Delaware County Trust Safe Deposit Title Insurance PA 1885 Stock Certificate
$33.96
quality
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1790 Insurance Co of the State of Pennsylvania Stock Certificate Sheet No 110
$204.07
quality
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American Amicable Life Insurance Company Stock Certificate Alabama Collie Baby
$9.95
quality
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American General Insurance Company TX 1968 Stock Certificate
$25.46
quality
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Allcity Insurance Company NY 1971 Stock Certificate
$10.20
quality
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Central American Life Insurance Company TX 1961 Stock Certificate
$11.86
quality
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Maryland Life Insurance Company of Baltimore MD 1961 Stock Certificate
$11.86
quality
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University National Life Insurance Co OK 1960 Stock Certificate
$11.86
quality
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Maryland Indemnity Insurance Company MD 1979Stock Certificate Eagle
$12.71
quality
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Hartford Steam Boiler Inspection and Insurance Company Stock Certificate
$2.69
quality
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Vintage stock certificate Insurance investment corporation 1932
$6.00
quality
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Germania Fire Insurance Company 1914 Stock Certificate New York
$19.99
quality
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Home Insurance Company 1962 Stock Certificate Three Vignettes AMBN
$9.99
quality
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Home Insurance Company 1963 Stock Certificate Three Vignettes AMBN
$9.99
quality
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1966 Stock Certificate Monarch Life Insurance Company Springfield MA
$9.99
quality
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ILLINOIS 1875 The Republic Life Insurance Company Of Chicago Stock Certificate
$199.00
quality
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PENNSYLVANIA 1866 Miners Life Insurance Trust Company Stock Certificate 78
$169.00
quality
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South Coast Life Insurance Company TX 1963 Stock Certificate
$10.20
quality
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Hamilton Fire Insurance Company Stock Certificate
$21.99
quality
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Home Insurance Company Stock Certificate Old Firefighter Vignette
$3.59
quality
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Peoples Life Insurance Company DC 1961 Stock Certificate
$10.20
quality
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South Coast Life Insurance Company TX 1964 Stock Certificate
$12.75
quality
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Republic Franklin Life Insurance 1968 Columbus Ohio old stock certificate
$9.99
quality
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The Home Insurance Company Stock Certificate
$19.99
quality
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Peoples Life Insurance Company Stock Certificate
$12.99
quality
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1937 Stock Certificate National Liberty Insurance Company of America
$9.99
quality
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SPECIMEN Stock Certificate Alexander Hamilton Life Insurance Co Farmington MI
$14.99
quality
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American General Insurance Co Stock Certificate George Washington Vignette
$2.69
quality
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THE BALTIMORE AMERICAN INSURANCE COMPANY OF NEW YORK1932 STOCK CERTIFICATE
$8.76
quality
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Banner Life Insurance Co GA 1956 Stock Certificate
$11.01
quality
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CONNECTICUT FIRE INSURANCE COMPANY1884 STOCK CERTIFICATE
$15.60
quality
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4 VINTAGE TELEPHONE TELEGRAPH SUGAR INSURANCE ORIGINAL STOCK CERTIFICATE
$29.99
quality
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GERMANIA FIRE INSURANCE COMPANY1880 STOCK CERTIFICATE
$14.80
quality
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Pilgrim Life Insurance Co IN 1969 Stock Certificate
$10.20
quality
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Stock Certificate INSURANCE INVESTMENT CORPORATION DELAWARE 1931
$9.70
quality
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Brunswick Georgia GA 1957 Stock Certificate Banner Life Insurance Company
$9.99
quality
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SOUTH COAST LIFE INSURANCE COMPANY HOUSTON TX1960 STOCK CERTIFICATE
$3.96
quality
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Broker Owned Stock Certificate Cooley Co payee Phoenix Insurance Co issuer
$13.56
quality
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1932 STOCK CERTIFICATE THE HOME INSURANCE COMPANY NEW YORK
$12.99
quality
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1963 STOCK CERTIFICATE CENTRAL AMERICAN LIFE INSURANCE COMPANY LUBBOCK TEXAS
$12.99
quality
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American General Insurance Company TX 1968 Stock Certificate
$25.00
quality
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American General Insurance Co Stock Certificate
$29.99
quality
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Corroon Reynolds insurance stock certificate now part of Willis Group
$14.99
quality

Insurance Stock

Safeguarding Your Beauty Business

For many people, the dream of starting up their own salon or beauty business is achievable with planning, research and the kind of investment in both capital and energy that any business would require. It seems that any high street or suburban location now sprouts a nail care salon or beauty parlour, and even in times of recession, the beauty business still thrives, as do cinemas, theatres and other forms of entertainment, as people feel they deserve a treat from time to time. The best beauty therapist in the world will fail if not properly equipped to deal with the administrative side of the business and that means treating the operation like a business from the start.

Location is critical to the success of your business, especially if you don’t have a well-established reputation and a long list of loyal clientele. Salons thrive in an environment that is clean, safe and relaxing, where customers can receive prompt and professional service. Your clients must be able to trust that the products and tools that you use on them are of top quality and safe. You cannot afford to expose your clients to the risk of infection (and yourself at risk of legal action). Many clients prefer to have their hair, nails and face done in one place and while you can specialise in one area, giving your clients the convenience of a one-stop beauty shop can set you apart from your competitors. Just as important in taking steps to protect your clients and customers is taking measures to protect your business as a commercial concern, taking account of absolutely required statutory insurance cover that any business operation would require and desirable add-ons that are unique to the salon sector.

Look for an insurance that is suitable for all beauty based businesses including manicurists, nail technicians and makeup artists. Ideally, your insurer should have products tailored for both home based business or a salon premises with contents, stock and equipment. Cover should also extend to public liability, employers’ liability and product liability. Salon insurance should include public/product liability including treatment risks for a minimum of £2 million, preferably with an option to extend to £5 million or £10 million. Employer’s liability (if you employ any qualified staff) should be in place for at least the same amount. Seek a package that extends equipment cover to provide protection whilst in and outside of the salon or working away from home if you are self-employed.

The best tailored packages will also cover you for personal accident, providing financial compensation to directors and employees in the event of accidental death, loss of limb, loss of sight, permanent total or partial disablement and provide personal liability protection for directors and officers of your business. Some packages will also provide up to £75,000 worth of legal expenses insurance cover in case of employment disputes, employment awards, health and safety issues or tax enquiries and disputes. The very best providers will even bundle a complete office insurance package if your premises are also your administrative centre as well as  access to free business advice services, offering practical guidance on employment issues and access to legal consultants who can provide advice on tax and VAT, employment, health and safety and general legal issues.

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