In 1947, Mike O’Neil founded Beach & O’Neil Insurance Associates in Fair Oaks, CA. The agency has specialized in the salon and beauty industry for more than 60 years now and currently resides in Citrus Heights, CA. It was initially run by Mike and Jo O’Neil, with only one other employee to service their accounts, but has since expanded to include 10-19 employees. 
O’Neil sold the agency to his sons—Christopher, Patrick, and Michael—in January 2004, at which point it evolved into a corporation: Beach & O’Neil Insurance Associates, Inc. Ultimate Image Insurance Services is a division of the family’s corporation which offers coverage to salon, barber and beauty professionals in four states: California, Texas, Ohio and Florida. In addition to hair and beauty services, the corporation also provides commercial and personal lines of insurance. Its commercial department offers coverage to professionals working in construction businesses, automobile repair shops, tailor shops, and health food stores. Its personal lines department offers programs like homeowner’s protection, automobile protection, recreational vehicles and motorcycles insurance, umbrella liability, and more. By expanding to include these additional agencies, the corporation’s premium volume has increased from tens of thousands to millions. According to the Sacramento Business Journal, it is one of the top 25 largest casualty and property insurance brokerages residing in the Sacramento area. Beach & O’Neil is licensed by the California Department of Insurance, and its programs are underwritten by an A.M. “A” rated insurance carrier. Cosmetology Insurance Program Ultimate Image is comprised of two insurance programs: the first provides liability insurance to hair, nail, beauty, and tanning salon owners, and the second provides insurance coverage to independent contractors specializing in cosmetology, esthetics, nail technology, hair styling, massage therapy, and electrology. Ultimate Image’s program for salon and shop owners offers business personal property insurance, a property enhancement endorsement, and professional, general, and product liability insurance. Its independent contractor program likewise offers professional, general, and product liability insurance. According to Ultimate Image’s website, more than 1500 independent contractors have signed with the agency in the last year.
To learn more about Cosmetology Insurance Plus, call:
1-800-222-1110
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Compare NACAMS and Ultimate Image Insurance
BENEFIT | Ultimate image |  |
|---|---|---|
Professional & General Liability Insurance |  $1 million per occurrence $3 million individual annual aggregate | $2 million per occurrence $3 million individual annual aggregate |
Products Individual Annual Aggregate |  No | $2 million |
Occurrence Form Coverage | Yes | Yes |
Rental Damage Coverage | Extra fee | $100,000 |
No Membership Fee | No Membership Fee | No Membership Fee |
Stolen Equipment Coverage | No | $1,000 * $250 Deductible |
Identity Protection | No | $25,000 |
Free Professional Website | No | Yes |
Includes Coverage for 350+ Services | No | Yes |
Annual Fee | $246.98 | $179 |