FAQ for Maine barbers and stylists
Is a Maine board license enough for a suite landlord?
Usually not. Landlords want liability proof. Maine Barbering and Cosmetology Licensing Program handles licenses; insurance handles certificates.
What does CoverSmart show for limits?
$1M / $2M on the eligible online hair paths, subject to underwriting and the policy forms.
Solo price starting point for Maine?
From about $193 a year for eligible pros with no employees on in-scope hair services.
Small shop path?
Option 2 is for eligible shops with up to three employees, with $5,000 business property when that path applies. CoverSmart shows the exact price when you quote online.
Specialty services in Portland?
Send a custom quote for nails, waxing, or esthetics. Do not stretch a hair-only online plan.
Who is Stockton-Hill Insurance on this site?
The agency that operates Maine Salon & Barber Coverage. Amanda Hill follows up on forms. Edward answers basic plan questions.
Can Edward bind my policy?
No. Chat is educational. Binding happens only after underwriting and carrier issuance.
Certificate holder vs additional insured?
A holder gets a copy. An additional insured may receive endorsed rights. Match the lease language.
Workers compensation overlap?
CoverSmart liability is separate. Confirm Maine workers compensation duties with a qualified advisor if you have employees.
CE source of truth?
Maine Barbering and Cosmetology Licensing Program at https://www.maine.gov/pfr/professionallicensing/professions/barbering-cosmetology. Guides here are general guidance only.
Phone number?
(207) 209-2063.
Booth renter certificates?
Buy in your own name when eligible so the host can file your certificate, not only the building policy.