Let’s be real, insurance isn’t the most glamorous topic, but it is one of the most important things you need to protect your business. And who better to break it all down than Crystal from Beauty Queen Insurance? She’s the queen of beauty biz coverage, and after nearly four years in the game, she’s got all the insider knowledge you didn’t even know you needed!

Crystal’s journey started in the beauty world working with Tarte for eight years until COVID threw a curveball. With the beauty industry on pause, she pivoted into the insurance world and quickly realized that beauty professionals (including permanent jewelers) were seriously lacking coverage options. So, she took matters into her own hands, collected data, and built an insurance agency specifically for the beauty and permanent jewelry world. Now, Beauty Queen Insurance is one of the top agencies covering permanent jewelry businesses!

In this episode, we dive into why insurance is a must-have before you need it (because let’s face it, by the time you need it, it’s too late!). We break down the different types of coverage, from general liability (slips, trips, and falls) to personal liability for hands-on services. Crystal shares why so many permanent jewelry businesses struggle to get approved for insurance, the words permanent and welding scare off some providers!, and how to make sure your agent understands what you do.

We also talk about insurance for different types of businesses, whether you’re exclusively doing pop-ups, have a brick-and-mortar, or a mix of both. Got employees? We cover worker’s compensation policies too! Selling jewelry in addition to services? You’ll want to understand product liability. And if you’re doing piercings, good news, Beauty Queen Insurance includes that at no additional premium!

Thinking about getting insured for an event? Crystal breaks down what you need to know, and how to make sure you're covered in time. Already insured? She shares exactly how to double-check that your policy covers what you think it does.

The bottom line? A lot of things could go wrong in business, and that’s why you need insurance. But once you take care of the not-so-fun stuff (like waivers and coverage), you can focus on growing your business with confidence!

Tune in now for this must-know episode, and let’s make sure your permanent jewelry biz is protected!

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Jen Thyrion: Hey there, I'm Jen Thyrion. I'm so glad you're here. I'm a former nine to fiver that dove into entrepreneurship eight years ago with zero business experience. I'm a wife, mama of two young girls, boutique owner, jewelry designer, and now the proud owner and coach leading Goldie Links Permanent Jewelry. I have a passion to empower fellow business base.

This podcast is made to equip you with everything you need to succeed from actionable marketing steps to digging deep on your mindset. I know firsthand the heart. Let's be real at times of struggle that makes up this amazing journey. You want to know what has enabled me to shine the brightest coaching plus community here at Goldie links.

We share openly educate and lift each other up, expect to get linked with fellow PJ owners that will do just that sprinkled with plenty of fun along the way. Competition is an old school thought and connection is the way get ready to feel inspired. Welcome to the Goldie links podcast. Hey there.

Did you know that we offer handmade permanent jewelry supplies? Go to GoldieLinkSupplies. com to view our beautiful chains, connectors, bangles, and more, including our non permanent stretchy bracelets that are available to you for wholesale. Everything is created by our tribe of mama makers. What is a mama maker?

Stay at home moms that create on their own time between raising their children, serving as a self care creative outlet and supporting their families. Your items come with signage on how these supplies are made, along with gemstone property info, as each gemstone has a special meaning. If you want to level up your business with handmade supplies, not made by a machine, but made by hand with love, then check it out at goldilynxsupplies.

com. Now onto the show. Let's talk about something super fun insurance. Said no one ever, but seriously, crystal from beauty queen insurance manages to make this a fun conversation. I personally learned so much. If you do not have insurance, please listen. And if you do a listen is required to make sure you have exactly what you need.

Okay, let's go. Hey, Crystal. I'm so excited. You're joining us today. We're talking about a super fun subject insurance.

Crystal Fox: Yeah, always, always the topic of conversation. Everyone's first thing they want to talk about is insurance, right? I love insurance.

Jen Thyrion: Oh, really? We should love insurance though. Okay. So let's just start off with who you are and tell us a little bit about yourself.

Crystal Fox: I am Crystal Fox, and I am the creator and founder of Beauty Queen Insurance, where we focus on all things beauty and permanent jewelry, and we have been around, it'll be almost four years in April, and I'm just so excited to be here with you. I've listened to some of your episodes in the past, and I think you're Such a valuable resource because sometimes like when I started beauty queen insurance, I didn't really know all the things I needed to think about or do or be ahead of until it was like, Ooh, I gotta, I gotta have this now.

And I didn't know I needed it until I needed it now. So props to you for being well rounded and making sure all the other permanent jewelry techs know what they need hopefully before they need it.

Jen Thyrion: Thank you. Yeah. Just starting off with. Knowing I've had a business prior and all the things that I did not think about and on insurance, I'm not going to lie.

I was one of them. So, so how did you like, why beauty queen insurance, like take us back to like, what led you into doing what you do?

Crystal Fox: Yeah. So I've always been passionate in beauty. So makeup, skincare, hair. And it's always been like my jam. I've always loved it. And I was always in beauty in some aspect as a makeup artist.

We're at Sephora, Nordstrom. I'm an account rep for a makeup brand. So I used to work for Tarte Cosmetics. Shout out to Shape Tape Concealer if anyone is familiar. But I was the account executive for Indiana. So I traveled. To Ulta's, Sephora's, Macy's, and I executed events and I made sure stores had the product they needed and made sure everything shipment wise was correct, uh, you know, just making sure they had what they needed.

And then I did that for, I was with that company about eight years and then COVID happened. So when your job is to travel and do makeup and no one's traveling, stores aren't open, no one's wearing makeup, you kind of have to pivot and think, okay, well, once we get through this. Am I going to have a job?

What's it going to look like? So, um, an opportunity came up at a local insurance agency. And I thought, well, my resume is up to date. I have nothing to lose by putting my resume out there seeing that I was very transparent when I applied. I said, I have no insurance background, but I do have a sales background.

So maybe that means something. And I, you know, reached out, sent my resume. They contacted me. I actually started at the agency in claims. So that was just a whole new language, a whole new environment. You know, I had always been like the makeup artist traveling weird hours, working weekends. Um, so now I'm Monday through Friday, eight to five, which was a reality check for sure.

So I'm in claims and I'm realizing the agency doesn't really have a lot of beauty policies, a lot of beauty businesses. And so my mind is like, okay, how can I still be in the beauty industry, the beauty business, but kind of marry it to insurance. And I asked one of the managing principals, I'm like, you know, can I focus on beauty?

Is that something that you think would be worth it? A good idea? Something that we could, you know, maybe start as like a division. He wanted some intel. He wanted some more information. Like why do you think this would be beneficial? And being in the industry for so long, I knew so many different aspects of business owners.

So some being hairstylists, some being permanent makeup. Some being your injectors and I would ask them, you know, when you started your business, how was it getting insurance? Like, did you know where to go? Did you have somebody that was relatable? And everyone said, no, everyone was like, if I could have had an agent who understood my business, who understood what I was really doing and what I really needed, that guidance would have been so helpful.

So from there, I just kind of started asking for policies. And I was very transparent. I said, you know, I'm not trying to sway you. I'm not trying to rewrite your business. I just need to collect that data to understand who is writing your business. What are those commonalities? What are you seeing? Um, and that's where it kind of just took off.

So yeah, almost four years ago we started and we had our first policy and it's grown and obviously we've taken on permanent jewelry, which was something maybe not. to mainstream when we started Beauty Queen, but it kind of goes hand in hand with a lot of other beauty services. So now we're able to add that on and we've kind of been a name, a go to for the permanent jewelry world, which I'm super blessed about.

Jen Thyrion: Yeah, that's amazing. Okay, let's start with the basics. Why does someone need insurance? So,

Crystal Fox: it's one of those things that you don't think about until you need it, until there's a claim, until there's a problem. So, when someone, you know, kind of says, oh, it's my insurance plan against something going wrong, it's your insurance plan to protect you to protect you.

So, a lot of the times, I think a lot of techs might not think about insurance, need insurance, until you need a certificate of insurance for an event. Um, maybe you haven't had insurance and now you have this event, someone's requiring you to have it. So, the main things that you really need to make sure is in your policy, um, there's two forms of liability.

You need general liability and professional liability. So general liability, that's like slips, trips, falls, even if you like, we have the ability to quote for various locations and events and pop ups. So you might not have a brick and mortar location completely fine, but if you're at a pop up, a lot of these pop ups are super intricate and personal and you have like a rug and you have a table and they're very, you know, they want you to come in and say hi and take your time in there.

So you have a mat down, you have a rug down, someone comes into your space, they trip over that rug. They fall on that table. They hit their head. They injure themselves. They break their arm. Um, they can file a claim against you. So you want to make sure that policy and contains general liability and then professional liability.

Professional liability is hands on services. So in this case. You're welding, you're very close to their skin. Yes, you're using a barrier between their skin and the jewelry, but maybe you've done everything that you were supposed to do and you've never had any issues and you have that barrier, but somehow you still cause a burn or the machine malfunctions, even though everything has been checked out.

And up to date, somehow you injure that person. They get a burn, maybe a third degree burn. Maybe they need a skin graft. So professional liability is hands on services. You absolutely want to make sure that you have both of those in your quote, in your policy. We quote with general liability for no additional premium.

So you're getting that for free when you quote with beauty queen insurance. But those are the things that you really want to think about. And a lot of times. I know a lot of people will go maybe to like State Farm or a local agent. I totally get that, but make sure they understand the service and make sure that they understand what permanent jewelry entails.

A lot of the time you're going to get declined from going somewhere because of that welding, because of that heat element being so close to the skin. And the word permanent kind of throws them off where they think it's under the skin, it's in the skin, it's attached to the skin. We know it's not, but that word kind of makes them say no, we're not taking on that liability.

So that's what you really want to think about. Where are you going? Maybe a quote is only 200 a year versus ours, which starts at about 800, 825 a year before taxes and fees. But do you want a policy that's going to cover you for what it's for? Like that actual insurance plan, or do you want a policy just to show you have coverage, but find out you're actually not covered?

Jen Thyrion: Yeah, because like you said, and when the event, heaven forbid, something happens, and then that insurance policy meant nothing, so you're paying for nothing, essentially, correct? Yes, exactly. And

Crystal Fox: you're finding out the worst time possible that you're paying for this policy that doesn't cover you, doesn't cover your service, and then you're paying for something that doesn't cover you.

What could happen is they might pay the claim. They might say, you know what? We don't cover the service. We will pay the claim. However, we are canceling you. We're not renewing you. You have to find coverage somewhere else. So now you have to go start all over with the quoting process and then you have to tell them, yes, I've had a claim and it was not covered or here was that instance when you're filling out that application.

Jen Thyrion: Yeah. So how does it work when you are, say, mobile versus brick and mortar? Is there different types of insurance? Like when you're mobile, that insurance just follows you, right? It doesn't depend on whether you're doing a market or a pop up in a boutique or how does that work? That's a good

Crystal Fox: question. So the liability side of it.

We will make sure that we have, if you have a business address, that business address. So you have a storefront, you have a place that you're seeing and performing services, but you're also doing pop ups. We want to make sure both of those are on the liability side. If you don't have a brick and mortar, then your mailing address is probably your business address.

And then we'll use various locations for, um, the pop ups in the market. So coverage follows you. On that liability side where it gets a little not trickier, but just a little bit more information is needed is with the property. So if you want coverage for the equipment for your welders, for the jewelry, I mean, a lot of that's an investment.

So you want to make sure if something were to happen, you have the option to cover that. And it's completely optional. If you want to go out with property, we can, if you want liability only, that's fine. If you want to add property later. That's fine. But the property, so if you don't have a storefront and you have your mailing address as your business address, it's on what's called an inland marine policy, meaning that coverage follows you.

So it's going to follow you wherever you go. You don't have a storefront. If you have a storefront, then it's going to be just your regular property policy, but we are going to need more information on the building. And a lot of times people get confused because it's called business personal property insurance policy.

But it's not coverage on the building itself, so a lot of the times, some landlords are harder to work with than others, but, you know, we're going to need to know how old that building is, has it been updated, the wiring, the plumbing, has it been checked out, how much do you need to claim, um, you know, there's going to be some more questions asked if you have that storefront, but that's just because the carrier wants to know what that building is like, the condition it's in, and then the updates that it's been through.

The premium is pretty much the same, it really doesn't. Matter. If you have a brick and mortar or not, typically that additional premium is about 200 a year and that's for up to 10, 000 of your business personal property coverage. So equipment, supplies, jewelry, it increases from there. Um, there is 1, 000 deductible.

So sometimes starting out, maybe you have only four to 5, 000 in equipment. We can still cover that, but that deductible is going to take 1, 000 away. Okay. So sometimes you have to think, would it be worth it? If I have property yet, as I grow, I can add it. You have the leeway and you have that customized ability to make it your own.

Jen Thyrion: I mean, of course my mind goes right to like, if something were to happen, yes. I can talk about like possibly burning someone, your machine malfunctioning, someone tripping, but when it comes to. say, natural disasters or something, right? Like, does it cover all of those things? Like, I'm thinking brick and mortar.

Say someone breaks in, heaven forbid, things get stolen. Like, how does, does it cover all the above? So

Crystal Fox: for brick and mortar, that's where, you know, you have to look to see typically earthquakes going to be excluded. Hurricanes going to be excluded. Fire is included to some extent. But then the other aspect is if you have a claim, they damage your equipment, you know, stuff is stolen.

Maybe the unit above you, the water. pipe froze, it damaged and it leaked everything down, ruined everything. Um, once we have that information, we contact the carrier who assigns an adjuster and they look to see your policy, what you had, what your limits were, like we have access to that. Um, but then the care, the adjuster is really going to be your communication for the next steps on that.

But that's a good question because a lot of times, like, especially now in California, people are asking about it. What wildfires or earthquakes or hurricanes in Florida, and those are typically going to be excluded. There's a wind hail exclusion for most Florida policies. Um, and that's a separate policy and it's really hard to find coverage for right now, but it is separate.

Earthquake flood is typically. An exclusion as well.

Jen Thyrion: Also to my question was brick and mortar. If you're still doing things mobily though, like say you do go out and do a private party and, you know, you still kind of do both. Would it be a combined type of policy?

Crystal Fox: Yeah. So, so what you're saying is like you have your mailing address, you have a actual brick and mortar storefront business address, and then you're doing pop ups.

Yeah, not a problem. So what it would look like on the application is you put your mailing address, you put, there's a couple spots for like two business addresses. So you would put the store front first. And then we typically put like various locations pop up. So that way the carrier knows that coverage will follow you and you're not just performing services out of that one

Jen Thyrion: location.

Okay. And then when the insurance for your company does include like employees, correct? It

Crystal Fox: does, so it depends on the circumstance. But yes, there is coverage for about, like, up to 5 texts for permit jewelry with that standard, that minimum premium of 825 a year before taxes and fees. But something you also think about is like a workers compensation policy.

And that is different by state. So some states, even if you have one employee, it's mandatory to have a workers compensation policy. Sometimes you don't have to have that until your three employees are hired. But the workers compensation, if someone gets hurt, this liability policy isn't going to cover your employees.

This policy will be just for your clients, your customers, people that you're performing work on.

Jen Thyrion: Okay.

Crystal Fox: Your employees, if they get sick, they get hurt, they're the ones that injure themselves. That workers compensation policy is going to come into play and it's super easy, super quick. We can help with the workers compensation policy as well.

Oh, you can. Okay. So that's separate. Okay. So that's a separate policy. So what we're really focusing on is liability. So like if you're liable, something happens in your space or that business personal property, that's typically what we're going to quote for, but we can quote with workers compensation. We also can do like a product's liability.

So if you're selling product, you're manufacturing product. Something a little different than just selling from your pop up for your clients. If you're actually like a retailer and people are using your products for their services, we can also help with a product liability policy.

Jen Thyrion: Oh, so what does that mean?

Product liability? Give me an example of like when you, yeah,

Crystal Fox: so like, um, like a sunless tanning, maybe you have, um, a tech who is, you know, performing. So she's going to have two policies. She's going to have the policy while she's doing the service. So her general liability, professional liability, maybe the property policy, and maybe she's going somewhere.

And she also has a brick and mortar, but she has her liability policy. And then she's also kind of selling, retailing, and private labeling some other sunless tanning products to other sunless tanning professionals and they're using her product. So for the liability side of it, maybe she's using on a bride and she's using this Something that she has created something that she has her name her business name on and that bride Breaks out or has a rash or has an irritation and it's maybe two days before the wedding and she can file a claim Against you because you are liable for that and your products Cross that.

Or, if she's selling those products and someone else is using those products that she private labeled that she made, they can file a claim against her to say, I used your product and now my customers are having a reaction, or now they have a rash, and it's because of the products that you used. So there are separate policies kind of covering the same thing, but in different instances.

Jen Thyrion: You know, because you're in the, I feel like a lot of people that are going into permanent jewelry have already been in, like a lot of them have been in the, do you find that? Cause I mean, you're just in the beauty industry. So what do you think the percentage of people that are like estheticians and hairstylists that are truly, they are insured, you know, like, do you think that's a common thing or do you think people just don't think about it?

Crystal Fox: I think it depends on where they work. I think it depends on like previous experience like you've had, because if there's a leasing agreement or if you're going to a solo salon. They want proof of insurance. So I think a lot of times it's not something it, and that's the other thing. It's certainly not taught in beauty schools in a school.

Um, and that was the other thing when I started out, you know, and I was getting a lot of people who were like, or I just graduated, I'm moving into the space. I didn't know I needed insurance. I didn't, no one told me this. Like no one in school said when you graduate and you're going to start your own business, these are the things think about.

So I've started going to local beauty schools. We have a local Aveda school where I try to say, okay, when you graduate, these are things you're going to have to think about. And no one's going to tell you. And depending on your services, like if you go into permanent makeup, maybe you're going to be, maybe you already have a medical designation.

You're going to be injecting that policy can be thousands of dollars. And no one's told you this. And it's a lot to take on as a business owner anyway, all those costs that just kind of rack up where you think, Oh my gosh, like I didn't know I needed this or now I have to pay for website and mailing and postage and all these other things.

And now I have this policy that's like 1, 000 and no one told me I was going to need it. So that's the other thing where just. It's not taught anywhere. So now you're getting a policy and you really don't understand what it means. So just make sure, you know, liability is key. Property coverage is, you know, optional, but if you're investing a lot, it's always best to add it on there.

Workers compensation, that covers you, that covers any employees. It's just hard to, when you don't, you don't know what you don't know. And then all of a sudden, oh, I need insurance. And you're kind of in a frantic place to get it. So you maybe, Go somewhere quick. You go somewhere just to get it. And then you find out, Oh, I'm paying for this and it's not actually covering me.

Jen Thyrion: Right? So you don't have to get obviously get into specific stories, although it would be very interesting. Where, where do you find that people need the insurance for the most? Like, what, what things happen that people are turning to? Their policies. Gosh.

Crystal Fox: So a lot of them. I mean, the more like med spa side of things, the lasers, the injectables, you're going to see a little bit more action with that.

Not necessarily a claim, but you know, the lasers or you did everything you're supposed to do. Somehow there's still a reaction or something happens. Permanent jewelry. I would say. That risk of burning is low. It's there. It's possible. I would say it's more like the general liability where slip strips falls, the property side of it, making sure you have coverage for equipment.

You know, there are some exclusions with the equipment. Like obviously you can't just leave it in your car, unlocked windows down, jewelry out. Like there's going to be you can't just like something else. Yeah. You can't just like. Okay, you have theft on your policy, but also your windows were down and the jewelry was out.

Yeah, you weren't being responsible.

Jen Thyrion: You like put a sign that says steal these.

Crystal Fox: Yeah, so you know there's gonna be exclusions to the property coverage, but I mean the liability side of it. Is the most important, um, I'm trying to think really brick and mortar property has been more than what I've seen with like that inland marine where you don't have a space and theft or problems occur.

I've seen more like the water damage, water pipe freezing, damaging your equipment, just damaging. Business personal property has been more than anything.

Jen Thyrion: It makes me think just opening a brick and mortar. I'm like, you're making me think like the house I'm going in is a little bit older. Um, it's like a little house downtown.

So it's a house, but part of me is like, should I put away equipment every night and kind of keep it in somewhere? Whereas like, you know what I mean? Like, do you have any advice when it comes to that or like smart, I don't know if that's kind of your niche to say this, but it's like, or you're, you know, but.

It's making me think, which I didn't think about before. I'm like, should I be protecting my equipment when I'm not there?

Crystal Fox: Absolutely. If you have something that is eye catching that, you know, a lot of people would know what it is, maybe go to some great lengths to make it their own, put a blanket over it, make it easy to put away.

So maybe if you can put it on wheels, if you can make a cart, if you can. Put it behind something. Um, that way it's not so enticing, but you know, just definitely if you think about it, don't have it out. Don't have it in the front window. Don't have your expensive jewelry out. A lot of jewelry stores, you know, you think about jewelry stores at night, they cover everything up, they put everything away.

So you don't want to risk that. And I kind of going back to what we said, where it's like, Oh, I just, left this out and the door was unlocked and someone took it. Like, yeah,

Jen Thyrion: yes. So, okay. It makes me think to say your sidewalk, you have a brick and mortar in your snowed, right? And you did all the precautions though, right?

You're shoveling, you're putting down the salt, all the things, but someone still falls and breaks her ankle. Okay, so that's something that would be covered, right? If the injury were to happen on your property.

Crystal Fox: So it would really kind of be a conversation with your landlord or the city, um, because if it's like a commonality place, a common place, the sidewalk, I did have a potential claim where she was a boutique owner, so she's not really doing services, but a tree, someone, I don't know, it was kind of on Main Street, And it was a smaller town, and I think someone hit a tree, and the tree fell towards her, like the stairs going into her shop.

The windows were not broken, but like the railing, the fence kind of, because it was steps to get up. So there was some damage to her boutique, but she's renting, so that really is a conversation for the landlord. And if it's the structure that's it's going to be on the landlord's policy. So like someone else called the other day, she said she didn't have property, but she's like, none of my stuff was stolen.

The building I'm working out of, um, was broken into. They used bricks or something to open the door to break the glass. They came in. It looks like all my stuff has moved around. I don't think they've taken anything, but my landlord wants to know what coverage I have. And I'm, and I kind of said, well, you know, I can talk to your landlord, But if they damage the structure and you don't have Business personal property, but nothing was stolen that really wouldn't be on your policy.

That would be the landlord policy. They damaged the structure. So the sidewalks and in your lease is probably going to say, here's where the landlord will take care of. It will take, uh, take care of the structure. It will take care of if something happens to the building for certain instances. The sidewalks, those common places, that's typically going to be on the landlord.

If it's in your space where you cause damage to the building, that's a little different.

Jen Thyrion: That makes sense. Yes. If you're leasing, like even if they, someone like breaks a window, like I said, that's your leasing. So that that's a building thing where that's their responsibility. A pipe burst, that's their responsibility.

Granted, if it does damage your equipment though, right? And that's the property side that you'd want to make sure you have coverage for, for your business, personal property. Okay. But it's like inside the building, like say, like you said, an example of a rug, which is so probably very common. Maybe that's why it's so funny.

It really is. So it's funny because when I was mobile too, I, and actually when I first franchised Goalie Links, I always put tape in as like very important. Like if you have a cord and you're plugging in somewhere, you're going to be in different structures. Tape down your cord. Tape it down. Do not let someone trip over it.

Like, I do think the, granted, nothing knock on wood has ever really terrible happened. But, um, I've had my boutique in a structure where it's an old barn actually. And there's all these shops and it's right, you know, and there's a lot of like uneven ground and things like that. And we've definitely had people fall.

And so I think that it's always been the back of my mind to like, Oh gosh, like I would never want that to, you know, deal with anything and trying to safeguard any injuries or. Of course, like using that protective leather when you, when you, well, like I said, in the end, for the most part, could we, could you not use that?

Sure. Because honestly, it's so, it's, I mean, I've never had an instance, I honestly, knock on wood again in two and a half years where there's been crazy sparks or there's been, uh, you know, like the, even the leather has gotten burnt or anything, but. If it does happen once, you know what I mean? Like, so it's always best.

It's like, you know, just like we wear seatbelts. You know what I mean? Like, that's great.

Crystal Fox: It's doing a private permanent jewelry party in someone's home and it sparks and it's on the carpet. Yeah. And then it could cause a lot of problems. Totally. Yeah. But we do have, so, um, when we quote with general and professional liability, there is A limit of 50, 000 for fire damage to premises rented to you.

So that can follow you. And then, um, there is a little bit of a, like if you're selling some jewelry, and this is where it kind of is determined on if you would need a product liability policy. If you're selling more product than you're doing in services, then you're probably going to need a product liability.

Policy. Um, one of the questions on the application is, are you selling, are you selling any product and then your gross receipts from all services, like all operations. So it's kind of divided up. And if I send the application where the gross receipts for all products, for all sales, let's just say is 50, 000.

And then on that application, we're asked for the gross receipts from all operations is 20, 000. So the carrier is going to come back to me and say, they need a separate. Product liability policy because they're selling more than they're making in services.

Jen Thyrion: Okay. So there's a thing when you're selling, when you talk about permanent jewelry, that is a service for that product, because I guess that's where it gets fuzzy, right?

Because you are selling chain. Yes, you have to weld it, but it's not like a tattoo where, well, I guess you're using ink, but still, you know what I mean? Where it's a complete service where you're coming to someone's home and fixing their toilet. Okay. Like something like that, right? Because sometimes when you think of service based, we have a kind of a combination.

So is that what you mean? Or do you, I don't, I'm not sure. So in this case for the

Crystal Fox: carrier, they don't look at the chains that you're selling as products sold. Okay, okay. That's included in the policy, the products completed operation, that's kind of included in there. They're looking at it as a service. And then you can add the property to it later.

Something else I thought about too, a lot of times, you know, you have hairstylists, you have a lot of nail techs, a lot of people in the industry who have a policy already, and it will cover everything but permanent jewelry. So you have a couple options. Um, you can do like a separate LLC for your permanent jewelry business, and then it would be a separate policy, and then you can quote with general liability, professional liability, and property, or you can do a DBA doing business ads if you have an LLC already, um, because a lot of times, like, You know, clothing boutiques are starting to offer the permanent jewelry, the policy they have now has general liability and property, but it doesn't have professional liability because they're not really offering any services.

They don't really need it. So we can do professional liability only. Now, if we do that, we can't do property because we have to quote with general liability to quote. with property. Um, but if you're a boutique owner, you're adding the service and you can't add it to your current policy. We can always do professional liability only for a quote for permanent jewelry and then you can keep the business name or if you want a separate LLC, we could quote with general liability.

And property that way too.

Jen Thyrion: So you got, you just are very beauty industry, obviously beauty queen insurance, but let's just say you made me think like I did open another type of business. Would that be something you couldn't ensure as well? Or no, you are just the

Crystal Fox: service we can. So we're a division of an agency, um, agency.

It'll be around his family owned almost a hundred years now in April, which is super, super cool. So as an agency, We can quote almost anything, almost any type of business, and then we can do home, we can do auto, we can do all the things.

Jen Thyrion: They're just separate insurances, obviously. Yeah, we're just a division

Crystal Fox: of the agency focusing on beauty, but we have access to the carrier, so if you need home, you need auto, you have a separate business, you have a boutique where you just need coverage for that area, for that product inside, that's something we can help with too.

Jen Thyrion: All right, cool. Do you ever get like phone calls where people are like something did happen and they want insurance now, but it already happened and you can't do that, right? We cannot do that. No, no, no. That's frowned

Crystal Fox: upon. Um, I will get fired and lose my license if I do that. Right, right. Would like to do.

I worked really hard to be, you know, but yeah, so when someone does call and they say I have, uh, my property was stolen or this happened and I look and I say, well, you don't have property on your policy. We can add it for future instances, but we can't add it for anything in the past. So we do have that.

We also have people who it's kind of a process to get a quote, a correct quote. A lot of times the places that you can go get insured now might not actually cover you for what you need. It's hard to read. It's hard to understand. You might find out last minute, Oh, it doesn't cover me for what I need or the limits that I need aren't in there.

But the process typically, if you go online, we send the application. Once we have the application back, we have the information that we need. We'll submit it to the carrier. Typical turnaround time. Two, maybe three business days to get the quote back to you. And then once we have the quote to you, we can have coverage in place as early as the next business day.

But that process takes a little bit of time sometimes. So, you know, don't, don't call me on a Friday afternoon that you need coverage that day. I can't, I can't make it happen. I'm sorry. Um, so I always say, um, if you know, you have an event. You know, they're requesting insurance. You don't have insurance. I would allow at least a two week timeframe just to get everything submitted into you.

So maybe you don't have an event for a couple of weeks, but you don't have insurance. So I would just get the application started, have it sent to us, have us review, make sure we have everything we need. We'll let you know if it's been submitted or if we need additional information. Once it's been submitted.

You know, we'll follow up, Hey, it's been submitted. Give us about a two to three business day turnaround time, and then we'll send that quote to you and then we're good to go. I also, the certificate of insurance, sometimes that can cause a snag because once we bind and you say, okay, yep. Looks great. Let's quote, let's.

Find I like this premium is fine. I'll pay in full. Um, no revisions, no edits, but I had, and it's, let's say it's like Thursday afternoon and you say, oh, by the way, I have an event, um, Saturday and they need a certificate and I need to show. I have proof. Well, we're not going to probably be able to do that because we need a policy number.

to issue the certificate. And we don't get a policy number until we have a blind confirmation from the carrier. So once we have that blind confirmation, like if you say, yep, looks great, move forward, paying in full, we send that to the carrier. They make sure everything's signed, all the requirements are there, they have everything they need, and then they send us the blind confirmation with the policy number.

Once we have that, You're good to go. We can send you as many certificates as you need. There's no additional premium. There's nothing added policy wise for that. We just need the policy number to issue the certificate. And then sometimes if you have an event, they're going to need, need, need to be listed as an additional insured.

We'll need some additional information, but there's no additional premium to add them. There's no additional premium for a certificate. You can have unlimited certificates. It's not going to be any additional premium due for any of them.

Jen Thyrion: Okay, so from A to Z to get that certificate, how long do you say that process would be?

Crystal Fox: If you are new and you're binding and you have an event in a week, I would, I would not wait to bind. I would say, once you hear from us, hey, we've received everything to bind, we'll let you know if we need anything else. On the outside edge, I would allow three to four business days. for us to get the bind confirmation.

It doesn't always take that long. It just takes the carrier a couple business days to get the policy to us, the bind confirmation to us. Once you have that, once your coverage is in place, we have the bind confirmation. We've sent you the first certificate with the policy number. Just give us maybe a business day turnaround time, especially on the weekend.

Like if you need it for the weekend, don't wait until Friday. Get it to us Wednesday, Thursday, if you can, I know a lot of times vendors are last minute with this stuff too. So a lot of times it's out of your hands a lot of the time, but if you can just as soon as you can, there isn't really a time frame for certificates.

So even now, if you're like, I know I have events in March and April, and they're already requesting that certificate. We can send it now. We can't send it. If you have an event when, like the, like after the policy would be up for renewal, so maybe you have an event in April, your policy expires in March, we can't send that certificate for that event in April until you have renewed the policy with the correct coverage dates.

Jen Thyrion: So how does it work? Can you, obviously you're paying monthly, correct? Or can you pay? Like different timeframes.

Crystal Fox: Yeah, you can pay in full. Okay. Um, or you can pay monthly. If you pay monthly, there is interest. That's not through us. We use a third party finance company. So if you are paying monthly, there is some interest, but you can always pay that off early.

You can pay more per month. You can do automatic payments. So there is some room to work with you there. And then you can just set up through the finance company where I have limited access. If you pay I can kind of see like what's due and when, but you can pay in full monthly. Those are pretty much our two options right now.

Jen Thyrion: So monthly or yearly, right? Yearly? Yeah. So does, could your insurance change, like, the amount, you know what I mean, as you go?

Crystal Fox: If you make no changes, no. So if you pay in full for that year, and we only issue 12 month policies, we don't issue events only, we don't issue for a weekend or a three month, six month time frame, it's only a 12 month policy, but you can make changes.

Mostly, um, if needed. So maybe you started out as not having a business location. You didn't have a storefront, you were doing permanent jewelry, and then all of a sudden you have a storefront. Well, we need to make sure we have that on the policy if something happens in that space, we need to make sure you're covered for that.

So let us know, hey, I have a storefront that's opening on this date. We're going to need some additional information, but we can always change the policy to having that brick and mortar location versus when you started out.

Jen Thyrion: There was another question that came to my mind. Oh, the special event. Insurance.

I love that you mentioned that because done many markets in the past and there's been markets that request insurance and this is back when I had my boutique business and those were markets I just didn't do.

People are listening on the same boat. They're like, okay, what does that mean? But in the end, special event insurance, like, but if you already have insurance, right, that would, that would qualify for that event. Correct. Or do you sometimes insurance? Yeah,

Crystal Fox: most of the times they're going to ask, do you have insurance?

Sometimes they'll have limits, they'll have requirements they want you to have, or they want to be listed as an additional insurer, just meaning your policy extends to them. So if you are at that market, someone trips over that rug, that dang rug, files a claim against you, and then files a claim against the events center because you were there, it happened there, that additional insurer just gives them extra protection under your policy if that were to happen.

So, yeah, just make sure that you have, if you have the policy for the event, it's going to follow you. Most of the time, the limits, and we quote with a, and this might not mean anything, one million per occurrence, two million aggregate. Most of the time, that's going to be the limits that's requested from most markets.

It could be higher. In that case, we cannot change the policy. Because we can't change limits during the policy. So if it needs to be increased, we typically can't increase it or decrease it. Um, you have to cancel and rewrite it, which isn't awful. It's, it's going to be more premium. You're going to pay more, but if you, most of the time, they're just going to ask for insurance.

They're going to make sure you have a general liability. Maybe professional liability, they might want property, they just want proof. So your policy should cover what they're requesting. You shouldn't need a separate event policy for that event. If you have insurance and what we typically do, like so that 1 million per occurrence, meaning if you have a claim that million dollar limit is what it's going to be for that claim.

2 million aggregate is for the policy period. So for that 12 month policy period, you have a 2 million aggregate for either multiple claims or multiple instances. We can. Once we have that, we typically don't increase it. Sometimes I've seen like three million, five million aggregate. So what we'll do is we'll say, here's what you have, here's what they're requesting.

I kind of break it down and I explain, you know, if you want to cancel and rewrite, we can do that, but it's going to be more additional premium. So let's see if they will accept what you have now. and maybe work with you. A lot of times vendors don't understand permanent jewelry and how hard it is to find coverage and where to go.

So it's not like you're just, you know, like a clothing boutique or somewhere that you can find coverage relatively easy. So if you explain, you know, these are the limits I have, this is my policy, I can increase them but I'm going to have to cancel, rewrite, it's going to be more in premium. And it probably would delay things to have coverage in place by the time you need it.

You know, it is an option, but most of the time we say, here's what you have. Here's what they're requesting. Let's go ahead and try sending the certificate with what you have now. See if they'll accept it. If they won't, then you make the choice of participating in the event, canceling your what you currently have, paying more in premium.

To meet those requirements, but sometimes the markets are like, if you're in Florida, you can have a market every weekend and it'd be worth it. It would totally be worth it to cancel. We were

Jen Thyrion: kind of getting it. I was like, you know, a special event, most likely what they need is the basics and you wouldn't have to like, do all the things that you're saying, like rewrite all of whatever.

They just want to know that you're covered. You know what I mean? In the end. It's good to have, you know what I mean? So it kind of like forces you don't be like me and just avoid markets that require me. And I know a

Crystal Fox: lot of people do. You're not the only one. I mean, a lot of times we're like, Oh, I've been in business for three years and I really want to do this market, but I haven't had insurance before.

Um, the other thing I'll say, maybe you think, Oh, you know what? I'll get the insurance. I'll do the event and then I'll cancel. Yep. Yep. I, I don't suggest that for lots of reasons, but we also have it in the carrier. This is not us. This is the carrier, a 25 percent earned premium. So typically, um, if you cancel before the five or six month mark, you'll have premium to pay to cancel.

There's no like flat cancellation. Yes. So don't just get the policy for the event and then cancel because then you'll probably have to pay to cancel.

Jen Thyrion: Right. Okay. So kind of one of my like last big questions is because it does seem like which popped up actually a couple years ago and getting insured is that actually a friend of mine who was getting insured in a different state and it's very it was smaller, you know, small town and going to a local and he had no idea what permanent jewelry was.

You know, so he's like, sure. And then like, once he, she actually told him more about it, he was like, Oh wait, I don't know. So say someone's listening and they're like, Oh no, I'm insured. But how do they make sure they're actually insured? Because that's what I knew as people get insured, they just insure them.

But then like we said in the beginning, they're truly not insured. So something were to happen. They've been paying for nothing. So how do you know?

Crystal Fox: So here's what I love about our quotes. The carrier that we quote with is PPIB, Professional Program Insurance Brokerage. I love that their quotes state exactly what you're covered for.

It says up to one technician, five technicians, however many you have, permanent jewelry. It says it on there and I love it. There's no ambiguity, you know, it's not ambiguous where you're like, well. It says aesthetics, but I don't see jewelry anywhere. Is it included? Is it not? Like, I don't know. Um, so not only does it say up to this many technicians performing, um, and it has permanent jewelry there, and then it also has, like, what does that mean?

What are the exclusions? Well, if you're not using a barrier between the chain client, between the client's skin, obviously there's going to be an exclusion, but it covers Bracelets, anklets, necklaces. I think rings are starting to be a thing for permanent jewelry. I love that it has the permanent jewelry on there.

They also now, I think a lot of, I've seen a lot of permanent jewelry tech start to add like ear piercing, piercing it's included in this. Oh, it is. Yes. Oh. Yeah. Yeah. So starting like last year, last May, the carrier was like, you know what, we're just going to start for all quotes, whether it's permanent jewelry, permanent makeup, medical aesthetics, we're going to add aesthetics and natural wellness services to the quote for no additional premium.

Okay, that's amazing. That's good to know. Yeah, so the minimum premium for general liability, professional liability, for up to really five permanent jewelry techs is 8. 25 a year before taxes and fees, but that includes some basic aesthetic services like simple earlobe piercing, nostril piercing, some hair waxing, makeup, things like that.

Because I think a lot of times, you know, you start out as a permanent jewelry tech and then you can Evolve into other things and then you're like, oh, well, I don't know if this covers spray canning I don't know if it covers earlobe piercing or what if I have to add it? So this includes it now you have to be obviously like certified take the classes Make sure you're compliant with city county state regulations to do the piercings But they have started to include the earlobe piercings National piercings in there, which has been super super smart, I think

Jen Thyrion: Okay.

Actually, this brings up a great question because I'm, I'm opening a brick and mortar soon and I am going to offer more services. I've already have granted. I'm trying to think to have services are not as invasive, quote unquote, like putting a hole in someone's ear or welding on top of your body, but like charm bar hat bars, like, do you need to worry about, I mean, granted, That's a good question.

Do you need to worry because you're not like obviously pressing the patch when they're on it's on their head. Although I don't know, I'm like, is that a service? Because that would be actually pretty interesting. But anyway, you're doing that separately. It's just putting terms on a necklace. You're not welding, you know, so is it you don't really I mean, what does that entail?

Like, that's not really a a service, I guess, in the sense of like piercing and spray tags. You're actually putting something on their skin. You know what I mean? Like, right.

Crystal Fox: Like you're doing a service on somebody. Yeah. Yeah. So like the trucker hat bars, those have been really popular. You would want to make sure that you have that property, like the hat, the patches, the equipment that you use to do that covered, but it's not a professional liability service.

Cause you're not, they're not. Wearing the hat while you do it, please don't do that. Don't don't start that. Don't invent that. Don't offer that. But I've asked that, you know, I've asked the carrier like, hey, like, what would we need to do? They can cover the property and that would be what you'd want to do.

Um, but since it's not really a hands on service, the trucker hat bar wouldn't really be a liability.

Jen Thyrion: Okay. Okay. Just something to be, cause honestly, especially like, like you said, brick and mortar wise, especially you just want to cover that. And granted either one, you say you're just doing trucker hat bar and you're doing a mobily, you still would want to be insured.

You know what I mean? Like obviously for again, those things that might happen. So yeah, if you're

Crystal Fox: mobile doing a truck, trucker hat bar, and you know, you'd want to have general liability and then you'd want to make sure you have property. That's fine. Not a problem. That would be maybe a different policy, different carrier that we would quote with, but that would be something that you would want to focus on to make sure you have general liability and property.

And there's something, I don't know what could, lots of things can go wrong. That's why you have insurance.

Jen Thyrion: But yeah, like say someone just. As being dumb and like touch the heating element of your, you know what I mean? I don't know. Yeah. As long as possibilities.

Crystal Fox: Yes. As long as, and the carrier looks at it this way, as long as they're not the ones doing the patches, using that device with the heat to, um, you know, as long as you're the one doing it and it's away from them, it's behind a counter.

It's not just like on a table when they walk by that you're just like using this heat device as long as it's hit like, you know, away from them and they're not doing it. Typically that risk is lower. Um, and you would want to focus on general liability and property.

Jen Thyrion: Hey, busy entrepreneur. As you know, being a business owner, you have to wear all the hats.

You're a social media manager, marketer, graphic designer, accountant, photographer, videographer, web designer, business coach, scheduler, and the list goes on. I know how overwhelming it can be, and this is why I created the Golden Link Society. It's our monthly permanent jewelry membership. We have a weekly call to talk about all the things, but not only that.

including monthly photography and video to use for your social media and marketing, Canva templates, monthly business expert, monthly training, support group, discount and first dibs on GoldieLink supplies and more. My intention is to create a beautiful community of permanent jewelers that want to level up their businesses together by creating lasting friendships and having fun.

This is what I wish existed when I started my business almost 10 years ago. If you want to know more, check it out at GoldieLinksSociety. com or at AllTheThingsPermanentJewelry. com. I hope to see you there. I keep saying last question, but then I think of something else. No, I love it. Um, this one, this one waivers are helpful and come into play if something were to happen, right?

Yes. Okay.

Crystal Fox: And on the application. So it kind of depends on services for the application that you will complete, but there are questions on the application where I asked if you obtain written consent for client photos you post online, that's a must. You have to I mean, you have to do that for coverage to apply.

Minors comes up a lot. There isn't really any exclusions for permanent jewelry for minors. However, I would always make sure there's an adult signature parent guardian signing that they understand the service. They understand what this permanent jewelry means. That's not. It doesn't have a clasp, it's not coming off.

And if you're posting, absolutely, if you're posting pictures of minors, please, please, please have written consent to do so. Yeah. But you'll see if you're doing, and that's kind of the other thing where if you go to our website, beautyqueeninsurance. com, there's a permanent jewelry tab. If you're just doing permanent jewelry and you have a business location or not, That's where you're going to start for that application.

And then we'll send more information if we need it for storefront or if we need clarification on things, if you're offering other services, maybe aesthetics, maybe permanent makeup, and then doing permanent jewelry as well. It's a little bit of a different application because it's going to be a more in depth of what aesthetic services are you offering.

Are you in compliance with city, county, state ordinances to offer these services, compliance with CDC health department guidelines, licenses, certifications? I know that's not really a thing with permanent jewelry, but any services that you're offering, there are certain questions that you're going to have to answer that say, yes, I've taken the training.

I've been certified. Another one that we added because the carrier updated their application is if you offer services out of your home or client's homes. So a lot of times you're doing private parties for a wedding for a bachelorette at someone's home or at you know somewhere that you want to make sure that the coverage

Jen Thyrion: follows you to do that.

So going back to someone saying I'm already insured and how you said yours says permanent jewelry, how, how is a way that they can check that they're actually insured with permanent jewelry? In

Crystal Fox: writing, and I tell people, you know, if you, if you go somewhere else and completely understand it, make sure you have in writing that permanent jewelry is included in this quote, that you are covered for Performing permit jewelry and because it's still a newer service, even though it's been around at least three, maybe four years now, maybe longer, depending on where you go and I've seen it happen.

Um, not here, but at other agencies, other carriers, depending on who you talk to, you're going to get a different answer, which is super frustrating.

Jen Thyrion: Yes. So like I said, in writing, because let's say, heaven forbid, something happens, it's almost as that going to be more or less on the insurance company, because it does say, hey, you were covered.

And even though legit, they didn't know what it was, but it says it was,

Crystal Fox: and they say, you know, they say, you know, hey, Yeah. Yeah. Here's your quote and I can tell you yes permanent jewelry is included and if something happens like that's on them They might cover it. They might cover that claim and then they might say we're not renewing you're canceling It's not something we actually cover because I've seen that before where someone didn't renew and I always ask because I want to know, like, I want to know who, who is covering it, who did you find coverage with?

Like, I'm always interested to partner with carriers, like, I'm not limited to just one or two carriers. Like, I can quote, I'm an independent agent, so I can quote with anyone that I can, but if someone's like, I'm not renewing, I'm going here, like. Please tell me where you're going. Like, it's not me being like catty or I, I genuinely want to know, and I've had some people say that they've gone to a different carrier and I'm like, totally great.

Well, we have access to that carrier at the agency. So then I ask our underwriters and they're like, no, we don't cover that. But then they come back and they say, well, it depends on how they're doing it, because if they're welding and using heat, we won't cover it. But if they're just doing. pliers or if they're doing it without the heat and just kind of connecting that jump ring with using the pliers, then we'll cover it.

And so it just depends on who you talk to, I feel like, and who that underwriter that you talk to with, because one might say yes, one might say no, and it's the same service that you're offering.

Jen Thyrion: Yes, they're definitely, it's definitely, like you said, a newer service and understanding it

Crystal Fox: and that's why it's harder to find coverage right now because it's newer and so many carriers are like, well, let's just see what it's like, let's see what the claims are like, let's see how this involves, if it's going to stick around or how it's what new services are going to come with it before they think about covering it.

So that's why it's hard to go to State Farm. It's hard to go to like a it. Standard insurance carrier because of that welding, that heat, that risk of burning, and that's why we have access to P P I B. They're in excess and surplus, but they will take on the risk and they also take on, you know, the permanent makeup and the injectables and a lot of the services where carriers or underwriters are like, No, that's too much.

That's too much of a risk. We don't want to take it. So that's why it's also a little more is because we're going with an excess and surplus carrier versus your standard State Farm, Liberty Mutual, things like that.

Jen Thyrion: Gosh, is there anything I left out that someone should know as they start a permanent jewelry business or say they've been doing it for two years and are like, I never thought about being insured.

I think we

Crystal Fox: covered it. You had great questions. I kind of have like a list and I think we went over everything. Just making sure that agent understands your business, the services. Don't lie. Don't make it what it's not. Don't code

Jen Thyrion: it. Yeah. Yeah.

Crystal Fox: Yeah. Cause that's not going to help you at all. It might save you money, but not really.

your claim isn't covered and now you're paying the claim out of pocket. So just make sure, you know, this is what I'm doing. This is how I'm doing it. You're open to that. Pop ups and events, not a problem. If you don't have that brick and mortar, we can absolutely help with that still. Just the certificates of insurance can take a little bit of time.

Make sure you have timed it for us to get that to you. Start early and then we like to follow up. I like to make sure. Um, Hey, once you send that to me, we have everything we need. I'll let you know the application has been submitted. We send you the quote. And then if you need coverage in place as early as the next business day, we can do that in quotes are good for 30 days.

So maybe you started out and you're like, I don't know if I need this yet. I know I need it, but I don't know if I need it yet. Or I don't know, like we have to have the business name. We have to have, if you have a business location, the business address, if you don't, that's okay. But we need to make sure.

That we have everything we need to get the application started, but once we have that, that quote is good for 30 days. And then if you're ready to move forward two weeks, three weeks from now, even after the 30 days, if there's no changes, we typically can make a ballot again.

Jen Thyrion: Awesome. So that's amazing.

Like, I just want to go back to the very beginning of your story, like how he just landed into insurance. Like I did. I like thinking about that. I'm like, man, that's like, I feel like you were in the Did that ever? I don't know. I just pictured someone like, I'm just picturing if I were to land insurance, I know I wouldn't be doing what you're doing.

Like, I know I wouldn't be like, okay, bye. Like this is not, this is not what I am. So what about it is like interest you and like kept you like just growing this and evolving this so much? I think

Crystal Fox: because I made it my own.

Jen Thyrion: Yeah.

Crystal Fox: And I, at first it was terrifying because I didn't have a mentor. I didn't have one, anyone to be like, Oh, this is what I did when I started this.

Or like, there wasn't anyone relatable. Um, a lot of the other agents are super, super helpful that I work with, but you know, they're, they just don't focus on the beauty side of it. And they didn't really understand what I was trying to go for. I just stumbled around. And once, you know, I presented the idea, the agency principal was like, yeah, okay.

Do it. And I'm like, oh, now I have to like, do it. Like, I got to come up with the name, the font, the color. So I was like, I totally get like, when you guys are starting your business, it's a lot to think about. And you don't even realize until you go back and forth with all the people of. What you want your vibe to be, what you want your colors to be, what you want that font to be.

So once you have that hammered out, you're like, okay, now I can actually like market and promote and start my business. It was just starting out that way. And then, um, a lot of comrades from my last. Previous life of being a makeup artist. Growing up around that, being around that, that's all my friends.

That's what we like to do. That's what we enjoy. Starting that way and then kind of growing and evolving and it's just kind of like figuring out what worked, what didn't work, okay, this is working, how can we improve on it? Yeah, it just, I think just because I got to make it my own. At first it was terrifying that no one else was really.

maybe focusing on beauty or doing this, but then I kind of had to get away from that and say, you know what? No one is doing this. So there's no one telling you you're doing it wrong. So you can do it your own way and figure it out. Well, there you go. And also

Jen Thyrion: too, just speaks to like, really being you. I mean, insurance is a wide, wide world of insurance, right?

Like it's like, So the fact that you like niched quote unquote down to something that specializes, I mean, you could take something from that with any business, even permanent jewelry. Right. That's why it's like the whole idea of competition. It's like, Oh God, but it's like really, well, what are, it makes you be like, okay, well, what do you, what excites you about this business?

You know, with insurance, like, and that's so crazy. Cause insurance to me seems so like non creative and just like, I don't want to say. I don't want to, like, insult you by saying blah, but like,

Crystal Fox: it I totally, I,

Jen Thyrion: but it's not like you give insurance. You're like, Ooh, dazzle. Like it's not insurance. Cool. Like, no, it doesn't seem like, you know, too excited, but you kind of made it yours and you made it exciting to you and something that like you're an area that you're passionate about.

Crystal Fox: Yeah. 100%. Yeah. Because otherwise it is. Boring. Like if I was doing like, I hope no other agents listen to this. If I, if I was doing like home and auto or like, I don't know, I don't know if I would still be doing it. Like, I don't know. So I think that's, you know, I had this idea. I came up with it. I created it.

It's like my baby. It is. My name, it is what I'm passionate about, and I can grow and I can learn, like permanent jewelry, when I started Beauty Queen Insurance, it wasn't on my radar, but now we've incorporated that, so the ability to build on what we have, open to adding it, because, you know, a lot of places are like, no, we don't want to cover that, but they don't understand what it is, like, I want to know.

I want to understand. Um, so I think that's what makes us, you know, better so we can be evolved. And the carrier is great. They will work with us if we need, they have questions, you know, because when we started out, they didn't cover permanent jewelry. We came to them and we said, are you, do you cover this?

And they said, well, what is it? How does it work? Can you explain it? And we had to really present ourselves and the service to them to make them understand, you know, yes, I understand you're apprehensive because of the welding and the burning. But here's what it is and here's all the videos and here's what it entails.

So they took that on probably three years ago. And I mean, we've grown together, we've figured it out and that's why, you know, I love that they put on their permanent jewelry, they really made a space for it and I think it's really set them apart and us apart to make it stick out.

Jen Thyrion: Yeah. Because I might see the beauty industry alone.

Like if you just, I mean, you can speak to this, but I think we go back, say four years. I mean, it's, it's evolved so much, even in four years, how much more is offered, you know, med spa wise injection, injections, lasers, all the things like, I mean, gosh, I can only imagine what the next four years brings. Right.

And the,

Crystal Fox: the Olympic, the medical wellness. Oh my gosh. So yeah, it's

Jen Thyrion: huge. And like. People using hormone replacement, like I've been hearing that so much. I mean that, and I'm like, am I, am I late to this party? You know, but peptides and also I'm like, what is happening? You know, there's so much newness so much.

And I think that's a new wave in my opinion of like health and a little bit like the, the whole like hormone peptide. It's

Crystal Fox: 100%. Cause I also like, we also focus like on the wellness side of it, the medical wellness, the weight loss injections. We can do hypnosis and yoga and Pilates and Reiki, but I think like, you know, I'm in my like early 40s and I think a lot of people my age are now having that conversation of not to be afraid of like menopause and hormones.

And so I think the more we talk about it. The more people are going to opt for that and have that coverage and be covered for them.

Jen Thyrion: It's so funny as you like, you know, speaking to that, like you get older, you're approaching mid thirties. You're like, you know what? I didn't think I'd be open to all this, but yes, please check my hormones.

Check to see what, you know what I mean? Like I'm all for it. I

Crystal Fox: think it's great that we're like open about it because so many of our previous generations were very quiet about it. It wasn't talked about and I'm like, no, like I'm here for it. Like if I need my therapy levels checked, like I, I want, I want to age gracefully, but I don't know what I know.

Again, I don't know what I don't know. And am I the only one feeling these ways?

Jen Thyrion: Agree. Yeah. It's, it's pretty cool. I mean, we look, we definitely live and it's, I think what's helpful is like just for me being able to, I've done pop ups at MedSpot and that's like how I'm getting educated. I'm like, Oh my God, I didn't even know this is out. And now I'm like, my eyes are opened. I'm like, okay, yeah.

Check it out. It's a

Crystal Fox: slippery slope. Like once you get, once you get that first Botox, you're, that slope just goes down and you get more and more into it and you're like, well, maybe I'll try this. Maybe I'll try this.

Jen Thyrion: So what about this? I went to a very legit, amazing like med spa and I'm like the things they do, putting threads in your face and doing all the, I'm like, wait, what?

Like, oh gosh. But yes, sign me up. But also I need to be really going hard in my permanent jewelry business to afford all this.

Crystal Fox: I know. I know. That's the thing. It's like, well, do I really want to spend a thousand dollars on this? Like, I don't know. I know. Right. And then like the more you research it and look at it and there's alternative ways or there's new things of learning and I'm like, okay, how adventurous do I want to be?

And then I'm like, I have to like. Be around people. Like I can't just like have my face like bruised and bloody.

I try to sell insurance, try to sell beauty

Jen Thyrion: insurance when your face is puffy and bruised, like you say that. So I'll kind of like, we need to wrap this up because I, but I feel this is kind of going into a different conversation, which we could talk about, but it's like, I've only actually had Botox once.

And, um, it's been a while. It's been like a year, but I remember wanting to try a peel and I was like, Oh my gosh, I have so many. So day five and six are the word. Like, I'm like trying to figure it out. Cause I'm like, I can only imagine me. Cause I had so many events coming up, me showing up with like skin hanging off my face.

I'm like, how do I plan this out in my life? Not have to be in front of me. And if you get

Crystal Fox: filler, if you get lip filler, they say to do it like two months in advance and then you're going to have bruising a few days afterwards. So it's like, okay, what week will no one see me to not know that I've had.

Jen Thyrion: This done or to not see the bruising. You know what though? It makes me think, and we're gonna talk to an accountant soon, like, can you write these things off though? 'cause it makes you feel better. You're in front of people, right? Just like you can write off a manicure if you're like, you know, I want that.

You can write your policy off. Forget.

Crystal Fox: Yeah, I know. You can write your insurance policy off. Make sure you record that. Oh, good to know. Yeah, you can. Can, you can. But I know I'm always like, okay, how much, like when I, when I'm at a meeting, with an insured, or I'm prospecting. Right. You know, can we get a cart for that?

I know, right? Just things to consider, things to consider. I know, I know. And I used to joke when I was like, thinking of this and starting this, I'm like, I'm going to look like a cartoon character because I'm going to want to go everywhere and see everyone and do all the things. Yeah, you're in

Jen Thyrion: front of it.

You know all the things. Like you said, once you get exposed and you walk into one of those places, you're like, oh my god, the possibilities. Like, yes. Well, oh my god, it was so great chatting with you. I'm so happy we got to connect because, um, I am actually need to fill out all my information to get insured by you guys going into a brick and mortar.

So I'm excited about that. But yeah, is there anything you want to leave us with? Actually, where do we find you to give us all the info?

Crystal Fox: Yeah, great. Okay. Um, we are on Facebook and Instagram beauty queen insurance, and then our website, that's the best way to get your quote started is go to our website. And that is beauty queen insurance.

com. Um, there's a. Tab for permanent jewelry. There's a tab for contact us. So maybe you have questions, use the contact us tab. Um, you can call us. We'll call you back if we miss your call, but definitely website. Cause if you call, we're going to tell you to go to our website to get your quote started. Um, that's the best way to get it started.

Allow a two to three turnaround time. Once your application is submitted and then we can have coverage in place as early as the next business day. Awesome. Love it.

Jen Thyrion: Thank you so much. This was fun. Actually, this insurance is fun. It is fun.

Crystal Fox: It is, it is. Once you like, you know, understand it, it's like, oh, oh, and then your mind starts to think of, oh, like this could happen, or this could happen, or it starts to really snowball and you think, oh, wow, like a lot of things could go wrong.

And that's why I let

Jen Thyrion: your mind go there because all the what ifs, but in the end, that's why it's just nice to have somebody who, you know, is really, you're really insured by right. And that you're just taking care of, so you don't have to worry about those things, like going into an event or having a brick and mortar.

And if someone does trip and fall over that damn rug, you know, take down your hospital bills. Like, can you imagine like. Honestly, and I know until we talked to a lawyer months ago, and she said this, and it's like, it could take one thing to take your business down. 100 percent could. Just to have that safeguarded, have your waiver, have your insurance, do all the things you need to just get that in place, then you don't have to worry about it.

Yeah. And,

Crystal Fox: and starting, you know, starting at those not fun things will make your business fun. Exactly. I love it. Thank you so much for reaching out. This has been fantastic. If you have questions, anyone has questions, Instagram, Facebook, website, however works for you will work for us.

Jen Thyrion: Okay. Sounds good.

Thank you so much for your time. Thank you. Bye. Bye. Well, how do you feel? I hope you found value in today's episode and you walk away feeling inspired. I would love to hear from you. Let's link up. You can find me on Instagram at goldielinkssociety. You can find out more about our permanent jewelry membership at goldielinkssociety.

com Our handmade permanent jewelry supplies of connectors chain and more at goldielinksupplies. com Okay, I will see you next time. Have a golden day