{"id":1888,"date":"2020-12-02T13:01:17","date_gmt":"2020-12-02T13:01:17","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=1888"},"modified":"2023-02-08T09:59:08","modified_gmt":"2023-02-08T09:59:08","slug":"guide-to-beauty-salon-insurance","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/guide-to-beauty-salon-insurance","title":{"rendered":"A simple guide to beauty salon insurance"},"content":{"rendered":"\n
\"A<\/figure>\n\n\n\n

Beauty salon insurance. Without it, a slip up in the salon could end up being more than just a bad hair day. But, with so many types of insurance policies available for beauty salon owners, it can be confusing trying to work out what coverage you need. <\/p>\n\n\n\n


To help keep those frown-lines at bay, we\u2019ve put together a simple guide to beauty salon insurance. Read on for a run-down on the coverage you need to protect your business, your premises, your equipment and your reputation.<\/p>\n\n\n\n

What insurance policies do beauty salons need?<\/h2>\n\n\n\n


Whether you own a hair salon, nail salon, beauty salon, or spa, the following policies are essential:<\/p>\n\n\n\n


\u2022 General liability insurance
\u2022 Professional liability insurance
\u2022 Workers\u2019 compensation insurance
\u2022 Property insurance<\/p>\n\n\n\n

Other policies which are good to have include:<\/p>\n\n\n\n


\u2022 Business interruption insurance
\u2022 Cyber insurance
\u2022 Equipment breakdown insurance
\u2022 Employment practices liability insurance<\/p>\n\n\n\n

You can bundle most of these policies together into what\u2019s called a business owner\u2019s policy, or BOP. A BOP will save you money — it usually works out cheaper than buying all the different policies separately. And because it acts as one policy, rather than several, it\u2019s easier to manage, too.<\/p>\n\n\n\n


You\u2019ll find more about BOP later in this post. First, let\u2019s dig down into the detail on each of the insurance policies beauty salon owners need, and why.<\/p>\n\n\n\n

General liability insurance for beauty salons<\/h2>\n\n\n\n


When you have customers coming into your salon every day, general liability insurance<\/a> is a must-have. It protects your business from the cost of claims for:<\/p>\n\n\n\n


\u2022 Bodily injury (if it’s not related to your professional services)
\u2022 Property damage
\u2022 Personal injury (slander\/libel)<\/p>\n\n\n\n

Imagine a customer slips in a puddle of water by the shampoo station and breaks an ankle? Without beauty salon general liability insurance, you\u2019ll have to pay for medical bills and legal costs, if they sue.<\/p>\n\n\n\n


Or perhaps one of your nail technicians accidentally spills polish on a customer\u2019s designer handbag? Without general liability insurance you\u2019ll have to pay for its replacement.<\/p>\n\n\n\n


And what if one of your employees is overheard bad-mouthing a tricky customer and it gets back to him? You could be sued for personal injury. Without insurance you\u2019ll have to pay legal fees and compensation, too, if the case doesn\u2019t go your way.<\/p>\n\n\n\n


If you have general liability insurance and someone makes a claim for injury to themselves or their property, your policy can cover their medical bills and your legal costs. It can pay compensation due, too, if it turns out you\u2019re liable.<\/p>\n\n\n\n

Professional liability insurance for beauty salons<\/h2>\n\n\n\n


For beauty salon owners, professional liability insurance<\/a> (also known as errors and omissions insurance, or E&O) is another must-have.
That\u2019s because clients can sue you if they think you made a mistake, or did something wrong. And without professional liability insurance, you\u2019ll have to pay legal costs, medical bills and compensation, if you\u2019re at fault.
<\/p>\n\n\n\n

Even if a case has no grounds, professional liability insurance for beauty salons covers the cost of claims for:<\/p>\n\n\n\n


\u2022 Emotional distress: A hair colorist accidentally leaves a dye on too long, burning a client\u2019s scalp. Unable to work for several weeks, the customer sues for emotional distress, bodily injury from the burns and lost wages.<\/p>\n\n\n\n

\u2022 A treatment gone wrong: Despite patch-testing, a facial causes a severe rash and your customer has to cancel a modeling job and get medical treatment. She sues you for loss of earnings and medical bills.<\/p>\n\n\n\n

\u2022 Loss of personal data: a customer sues you for losing a file containing their personal and sensitive information.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Workers\u2019 compensation insurance for beauty salons<\/h2>\n\n\n\n

In most states<\/a>, you\u2019re required to have workers\u2019 compensation insurance<\/a> even if you only have one employee. It\u2019s a good policy to have anyway, as it protects your business from the cost of workplace injury claims.<\/p>\n\n\n\n


And let\u2019s face it, the tools of the beauty trade have accident-causing potential. A hot styling tool could scorch, a chemical could burn, or a wet floor could cause an employee to slip and fall.<\/p>\n\n\n\n


If an employee gets hurt while they\u2019re working in your salon, needs hospital treatment, and can\u2019t work, a workers\u2019 comp policy can cover their medical bills and lost wages. It also protects your business from a workplace injury lawsuit, whoever\u2019s at fault.
<\/p>\n\n\n\n

Property insurance for beauty salons<\/h2>\n\n\n\n


Property insurance protects the premises you operate from, whether you own it, or rent it. (If you rent it, your landlord may insist you have property insurance.) However, a beauty salon property policy also covers the contents. That\u2019s everything from hood dryers and reclining chairs to styling tools and massage beds.<\/p>\n\n\n\n


Imagine a fire starts in the back room where you store hair dyes, essential oils, nail polish and other flammable liquids? It spreads and the sprinklers kick in, causing water damage on top of the smoke.<\/p>\n\n\n\n


Property insurance can take care of building and contents damage caused by fire, theft, or other, covered disasters.<\/p>\n\n\n\n


Without it, you\u2019d have to pay out of your own pocket for a complete make-over. And fire damage repair is expensive: the national average is $12,600. But the repair costs can come in anywhere between $3,200- $27,000, depending on the extent of the damage.<\/p>\n\n\n\n

Business interruption insurance for beauty salons<\/h2>\n\n\n\n


Business interruption insurance protects you if something unexpected happens which means you can\u2019t run your business. It could be a fire or flood. And if you have to shut up shop, or open up elsewhere, while repairs are done, the cost to your business won\u2019t be pretty.<\/p>\n\n\n\n


If your business suffers a loss as a result of something unforeseen, a business interruption policy can pay for:<\/p>\n\n\n\n

\u2022 lost income
\u2022 moving costs
\u2022 equipment hire costs
\u2022 extra rent if you have to move to temporary premises.<\/p>\n\n\n\n

Cyber insurance for beauty salons<\/h2>\n\n\n\n


Nowadays, everything from booking appointments , to taking payments and storing your clients\u2019 data can be done digitally. And that\u2019s great\u2026 Until your IT system goes down, taking your website with it.<\/p>\n\n\n\n


If that happens, you\u2019ll have no idea who\u2019s booked in for when. And when clients do turn up, how will you access their personal files?<\/p>\n\n\n\n


Unfortunately, if your beauty business is hit by hackers, that\u2019s exactly what could happen. And as a small business, with less cash to spare on tough cyber security, your salon\u2019s an easy target.
<\/p>\n\n\n\n

The trouble is, it\u2019s not the cyber-attack itself that\u2019ll cripple your business. It\u2019s the recovery costs.<\/p>\n\n\n\n


Cyber insurance<\/a> can take care of these for you, including the cost of investigating the incident, restoring your website and systems, PR to restore your good name and pay regulatory fines, if necessary.<\/p>\n\n\n\n


It can also pay for the cost of a class action. Which is handy, if all your clients decide to sue you for losing their personal data.<\/p>\n\n\n\n

Equipment breakdown insurance for beauty salons<\/h2>\n\n\n\n


Salon stations don\u2019t come cheap. If a salon chair falls apart, or a dryer stops working, you\u2019ll have to use a different styling station. You may have to put off customers. Or even shut up shop while you get the repairs done.<\/p>\n\n\n\n


Equipment breakdown insurance covers repairs to your salon equipment. And if they can\u2019t be fixed, it can pay for their replacement. It means you won\u2019t lose business if your beauty equipment goes wrong.<\/p>\n\n\n\n

Employment practices liability insurance for beauty salons<\/h2>\n\n\n\n

Employment law is tricky. And it changes all the time. When you\u2019re running a busy salon, with several staff members, it can be hard to keep up to date. All it takes is for one of your employees to claim they\u2019ve been mistreated, harassed, or overlooked, and you could have a lawsuit on your hands.<\/p>\n\n\n\n


Employment practices liability insurance<\/a> (EPLI, for short) protects you from the cost of employee-related claims. Including legal fees and compensation, if it\u2019s payable.<\/p>\n\n\n\n

Business owner\u2019s policy for beauty salons<\/h2>\n\n\n\n


As a small business owner, buying all the different policies you need to make sure your beauty salon is properly protected can be expensive. <\/p>\n\n\n\n

A general liability policy, for example, starts from around $500 a year. And if you rent or own premises you’ll want to cover that with property insurance. Then you’ll want coverage for your tools and equipment too. <\/p>\n\n\n\n

If that’s the case, a business owner’s policy<\/a> (BOP, for short) might suit you. It comes with general liability and property insurance as standard. Plus, a choice of optional add-ons so you can customize your coverage to suit you. <\/p>\n\n\n\n

Because it acts as one policy, not several, a BOP’s easier to manage, saving you time. And as it typically costs less than buying the policies separately, it can save you money too. <\/p>\n\n\n\n

Beauty salon insurance quotes online<\/h2>\n\n\n\n


Still not sure what insurance you need for your salon? Call us at 978.344.4215 or visit our cosmetology insurance<\/a> page to find out more.<\/p>\n\n\n\n


All set? Get a quote online <\/a>now.<\/p>\n","protected":false},"excerpt":{"rendered":"

Beauty salon insurance. Without it, a slip up in the salon could end up being more than just a bad hair day. But, with so many types of insurance policies available for beauty salon owners, it can be confusing trying … Read more…<\/a><\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[70,71,68,69],"class_list":["post-1888","post","type-post","status-publish","format-standard","hentry","category-small-business-insurance","tag-beauty-salons","tag-bop","tag-general-liability","tag-professional-liability"],"yoast_head":"\r\nA simple guide to beauty salon insurance | Types of beauty salon insurance<\/title>\r\n<meta name=\"description\" content=\"Beauty salon insurance can be confusing. 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