The Covering Beauty Blog

Everything you need to know about insurance for your beauty business.

Happy New Year

Posted January 6th, 2014 by Jeff Pulford


We’d like to wish you all a happy and prosperous new year!

happy new year

We hope your 2014 is off to a great start!  InsureBeauty is looking forward to another year as the beauty industry’s insurance specialist.  We plan to continue blogging about relevant issues that concern the beauty industry but hope to also keep it fun and interesting when possible.

If you have any suggestions for future blog topics, please email

For insurance for your salon, spa, beauty college, barbershop, or booth, please visit or call 855-257-0088

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Merry Christmas!

Posted December 23rd, 2013 by Jeff Pulford

Wishing You and Yours a


& Happy New Year

-The InsureBeauty Team: Jeff, Ashley, Barb, Becky, & Katie 





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Small Business Saturday

Posted November 12th, 2013 by Jeff Pulford

As a small business, the insurance agency of many small businesses (including many independent contractors), and supporters of our local community, we’d like to do our part to promote Small Business Saturday happening this November 30th.

The American Small Business Saturday happens the Saturday after Thanksgiving and was created to help small, independently owned, and local businesses during the big box retail of Black Friday and the e-commerce shopping on Cyber Monday.

We’ve taken the pledge to shop small and local on November 30th and hope you will too.  Help us spread the word by using hashtags #SmallBusinessSaturday and #ShopSmall

To read stories visit the official Facebook page:

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Covering Your Assets:

Posted November 1st, 2013 by Jeff Pulford

How to Insure Your Business

Have you received your November issue of Stylist?  Our president Jeff Pulford is featured in an article by The Beauty Professional, Fred Jones appearing in the California, Texas, & Florida Stylist.  The article includes some very interesting and important questions and answers for salon & spa owners as well as independent contractors.

Here is one of the questions asked by Fred:

‘When I think of assets, I think of buildings, personal property and other items, including cash.  Is that accurate?”

Jeff’s answer is, “Most people think assets are simply the tangible things of their business like cash, buildings, personal property, leased property, business personal property (chairs, sinks, hairdryers, etc.), security systems, cell phones, etc.  A salon business has many other types of critical assets, for example the valuable skills of employees and/or independent contractors, a good salon location with a favorable long-term lease, good credit… and don’t forget about a business’s reputation.  Those are also very important business assets that need to be protected.  When anything happens to any of the above – tangible or intangible – the result could be devastating to a salon.”

For more great questions and insight on covering your assets, read the full article.

Covering Your A$$ets

Do you have a question about covering your salon assets that wasn’t addressed in the article?  Email to submit your questions to InsureBeauty’s President.

InsureBeauty’s ad also appearing on page 16 of the California Stylist.

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Breast Cancer Awareness Month

Posted October 1st, 2013 by Jeff Pulford

October is breast cancer awareness month and InsureBeauty is going pink!

We would like to encourage everyone to do what they can to increase awareness and if you are willing and able, to donate to cancer research.

According to Elizabeth Hurley, the face of Estée Lauder’s Breast Cancer Awareness Campaign, the more active we all are in increasing awareness, early detection, and raising money for cancer research, the more lives we save.

To learn more about how you can help visit:


To learn more about how you can get involved with Susan G. Komen for the Cure, visit:

Go Pink on your Facebook, Blog, Websites, etc.  A collection of banners and badges like the one below can be found at:

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InsureBeauty receives 2013 Best of Salinas Award

Posted September 12th, 2013 by Jeff Pulford

We are proud to share that InsureBeauty has received the 2013 Best of Salinas Award.  We would like to thank our industry partners and most of all our customers.

Salinas Award

Press Release


Insure Beauty Receives 2013 Best of Salinas Award

Salinas Award Program Honors the Achievement

SALINAS September 5, 2013 — Insure Beauty has been selected for the 2013 Best of Salinas Award in the Insurance category by the Salinas Award Program.

Each year, the Salinas Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Salinas area a great place to live, work and play.

Various sources of information were gathered and analyzed to choose the winners in each category. The 2013 Salinas Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Salinas Award Program and data provided by third parties.

About Salinas Award Program

The Salinas Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the Salinas area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

The Salinas Award Program was established to recognize the best of local businesses in our community. Our organization works exclusively with local business owners, trade groups, professional associations and other business advertising and marketing groups. Our mission is to recognize the small business community’s contributions to the U.S. economy.

SOURCE: Salinas Award Program

Salinas Award Program


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Attention Beauty Industry – We Can Write Your Personal Insurance Too!

Posted July 30th, 2013 by Jeff Pulford

Yes indeed, InsureBeauty is the insurance specialist that Salons, Spas, Barbershops, Beauty Colleges, & Booth Renters have come to know and trust to provide quality insurance coverage at great prices.  Did you know we can also provide the same quality insurance coverage, great price, and excellent customer service for your personal insurance needs through our parent company ISU-Pulford Insurance?

Our staff at ISU-Pulford Insurance does the due diligence on the insurance companies we work with to ensure that they are of the highest quality for our customers.  We would like to congratulate one of our favorite companies, Mercury Insurance, on their 50th anniversary as well as being named one of “America’s Most Trustworthy Companies” by Forbes magazine.


Mercury CEO explains, “Mercury is in the midst of celebrating its 50th anniversary and this prestigious honor from Forbes validates our long-standing efforts to supply affordable insurance and unsurpassed service for our millions of customers.  For the past five decades Mercury has operated with the belief that personal relationships are important to consumers, and these relationships – whether with the company or with our agents – help to create trust.  This blueprint is obviously still true today.”

Read more about Mercury Insurance’s 50th Anniversary here.

Read more about Mercury Insurance’s Forbes listing here.

If you’d like to learn more about the personal coverages offered by Mercury Insurance, call to speak to one of ISU-Pulford Insurance’s licensed agents at 1-800-606-6111.

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Great News for Booth Renters in AZ, CA, CO, NC, & OR

Posted June 21st, 2013 by Jeff Pulford

As licensed, independent professionals, booth renters’ unique status grants both the privileges and the responsibilities of being a “business owner.” Among those responsibilities are to protect themselves, their income, the salons where they work, and, of course, their clients.

We are the beauty industry’s insurance specialist and are happy to now offer The Solution: 225

Insure Beauty has designed a unique program with an A++ rated company that covers all work activities, on premise or off, covers landlords, and protects the Independent Contractor, and their clients.

We are proud to offer Independent Stylist / Booth Renter Insurance for the following states with NO TAXES OR ADDITIONAL FEES:

ARIZONA FLAGArizona Booth Renter Insurance – $225/year


CALIFORNIA FLAGCalifornia Booth Renter Insurance – $225/year


COLORADO-FLAGColorado Booth Renter Insurance – $225/year


oregon_flag_2Oregon Booth Renter Insurance – $225/year


NORTH CAROLINA FLAGNorth Carolina Booth Renter Insurance – $199/year


Fill out our quick and easy online application to get started: 

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Help Moore, Oklahoma

Posted May 22nd, 2013 by Jeff Pulford

John Stubbfield placed an American flag in Moore, Okla. (photo from The New York Times)

InsureBeauty would like to send our deepest condolences to Moore, Oklahoma and all friends and family impacted by the deadly tornado that ravished the area on Monday.

Like many other outlets, we’d like to pass along information on how you can help this community:

  • Simply text REDCROSS to 90999 to donate $10 to the American Red Cross
  • or, visit to donate any amount

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California Employee Commission Contract Law

Posted February 7th, 2013 by Jeff Pulford

Are you an salon or spa owner that pays your employees with commission?  Or, are you an employee in a salon or spa being paid commission?  Then our blog this week, is just for you.

California AB 1396 Requires Employers to Reduce Commission Agreements to Writing

the following is by David T. Wang of  California Workplace Law Blog

On October 7, 2011, Governor Brown signed AB 1396.  The new law requires all employers doing business in California to draft written contracts for any agreements with employees that involve commissions as a method of payment for services.  Commission wages are defined as compensation paid to any person for services rendered in the sale of an employer’s property or series and based proportionately upon the amount of value thereof.

The deadline for employers to reduce all commission agreements to writing [was] January 1, 2013.  In addition, employers must provide a signed copy of the contract to every employee covered by the commission agreement and obtain a signed receipt for the contact from each employee.  There are no penalties associated with a violation of the new statue but presumably it could be a basis for suit under California’s Private Attorneys General Act (PAGA) and Unfair Competition Law.

In addition to the new law, California already regulates the payment of commissions, the calculation of commissions and what happens with a commission upon termination/resignation.  Ultimately, employers must draft written commission agreements and carefully review the terms of the documents to ensure they are clear and lawful.

Assembly bill no 1396 Chapter 556

An act to amend section 2751 of , and to repeal section 2752 of the Labor code, relating to employment.

Legislative Counsel’s Digest

AB 1396, committee on labor and employment. Employment contract requirements.

Existing statutory law which has been held invalid by existing case law, requires and employer who has no permanent and fixed place of business in the state and who enters into a contact of employment involving commissions as a method of payment with an employee for services to be rendered within the state to put the contract in writing and to set forth the method by which the commissions are required to be computed and paid.  An employer who does not comply with those requirements is liable to the employee in a civil action for triple damages.

[As of], January 1, 2013, this contract requirement [became] applicable to all employers entering into a contract of employment involving commissions as a method of payment with an employee for services to be rendered in the state. In addition, the bill repeals the provision making an employer who violates this requirement liable in a civil action for triple damages.

The people of the State of California do enact as follows:

SECTION 1. The legislature hereby finds and declares that this bill is enacted in light of the holding in Lett v. Paymentech, Inc. (N.D.Cal. 1999) 81 F.Supp.2d 992 and that the intent of this bill is to restore the employee protections that had been in effect prior to that holding by making section 2751 of the Labor Code apply with equal force to employers with a fixed place of business in the state and to employers who do not have a fixed place of business in the state.

SECTION2. Section 2751 of the Labor Code is amended to read:  2751. (a) By January 1, 2013 whenever an employer with an employee for services to be rendered within this state and the contemplated method of payment of the employee involves commissions, the contract shall be in writing and shall set forth the method by which the commissions shall be computed and paid.

Ch. 556

(b) The employer shall give a signed copy of the contract to every employee who is a party thereto and shall obtain a signed receipt for the contract from each employee.  In the case of a contract that expires and where the parties nevertheless continue to work under the terms of the expired contract, the contract terms are presumed to remain in full force and effect until the contract is superseded opt employment is terminated by either party.

(c) As used in this section, “commissions” has the meaning set forth in Section 204.1.  “Commission” does not include short-term productivity bonuses such as are paid to retail clerks: and it does not include bonus and profit-sharing plans, unless there has been an offer by the employer to pay a fixed percentage of sales or profits as compensation for work to be performed.

SECTION.3. Section 2752 of the Labor code is repealed.