Barber Shops

What Does GL Code 10113 Cover?

ISO GL class code 10113 covers establishments primarily engaged in providing barber services, including hair cutting, shaving, and related grooming services for men. This classification encompasses the general liability exposures associated with customer interactions, premises upkeep, and the use of tools and products in a service-oriented environment.

Who Uses This Class Code?

Traditional barber shops, men's grooming salons, and individual barbers operating within a salon setting or as independent contractors typically fall under this code. Businesses focused on male clientele for hair and beard care are the primary users.

Common GL Claims for This Class

Common general liability claims for barber shops include slip-and-fall injuries sustained by clients on the premises, cuts or nicks from shaving or hair cutting tools, and allergic reactions to hair care products used during services.

Coverage Tips for Code 10113

• Ensure your policy includes professional liability (malpractice) coverage for services like shaving or chemical treatments, as general liability excludes professional errors.
• Verify that your premises liability limits are adequate to cover slip-and-fall incidents, which are common in high-traffic service businesses.
• Review your policy for coverage related to product liability, especially if you sell or apply hair care products that could cause allergic reactions or injury.
• Maintain strict sanitation protocols and document them, as health code violations or spread of infections can lead to significant liability claims.