{"id":1913,"date":"2021-01-06T15:01:31","date_gmt":"2021-01-06T15:01:31","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=1913"},"modified":"2023-02-08T09:55:48","modified_gmt":"2023-02-08T09:55:48","slug":"types-insurance-mobile-beauty-therapists","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/types-insurance-mobile-beauty-therapists","title":{"rendered":"What types of insurance do mobile beauty therapists need?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2021\/01\/1199728449786606.73Ea5wnr6fbRjEyUiYre_height640.png\" alt=\"What types of insurance do mobile beauty therapists need? Illustration of nail technician giving a woman pedicure.\" class=\"wp-image-1927\" srcset=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2021\/01\/1199728449786606.73Ea5wnr6fbRjEyUiYre_height640.png 600w, https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2021\/01\/1199728449786606.73Ea5wnr6fbRjEyUiYre_height640-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p><br>As a mobile beauty therapist, you take precautions to protect yourself. You treat clients in their own homes, after all. So, for safety reasons you always let someone know where you are.<\/p>\n\n\n\n<p><br>Insurance is another safety precaution you want to take \u2013 to protect your mobile beauty business. Because without it, if a client makes a legal claim against you, the effects won\u2019t be pretty.<\/p>\n\n\n\n<p><br>A lawsuit can rinse your bank account and leave your reputation badly scarred. And that could be the end of a beautiful thing: your business.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why do mobile beauty therapists need insurance?<\/h2>\n\n\n\n<p><br>Going solo has its pluses. There\u2019s the freedom and flexibility for one thing. You get to choose your own clients and work when it suits you. And being mobile, means you have fewer overheads.<\/p>\n\n\n\n<p><br>The downside is, while you still face the same risks as a beauty salon, the buck stops with you. That means if a customer sues for a treatment gone wrong, the legal fees, medical bills and compensation are your responsibility.<\/p>\n\n\n\n<p><br>And because you treat customers at their homes or offices, you need to consider the consequences of accidental damage, too. You might accidentally spill hair dye on an antique rug, or break a valuable lamp. Or, have a client trip over your extension cable and need medical treatment.<\/p>\n\n\n\n<p><br>Without the right <a href=\"https:\/\/www.insurancebee.com\/cosmetology-insurance\">cosmetology insurance<\/a> cover, you\u2019ll have to pay to make good. Whether that\u2019s to fix a broken lamp, or a broken leg. And if the case goes to court, you could be looking at compensation too.<br><\/p>\n\n\n\n<p>For mobile beauticians, insurance acts as a protective barrier. It means you can get out on the road and on with your treatments. Safe in the knowledge that if a client claims, it\u2019ll be more of a minor irritation than a major flare-up.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What insurance does a mobile beauty therapist need?<\/h2>\n\n\n\n<p><br>Whatever your specialty \u2013 skin, hair, or nails \u2013mobile beauty therapists should have both professional liability and general liability coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Professional liability insurance for mobile beauty therapists<\/h3>\n\n\n\n<p><br>A professional liability policy protects you from the cost of claims you\u2019ve made a mistake or done something wrong. Even if there are no grounds for the claim.<br><\/p>\n\n\n\n<p>Because sometimes treatments just don\u2019t go to plan. You patch test, but on the day the customer has an allergic reaction to a facial. Then, because they needed medical treatment and time off work, they sue you for compensation.<\/p>\n\n\n\n<p><br>And sometimes clients just aren\u2019t happy with your service. It could be a haircut they hate, or eyelash extensions that irritate.<br><\/p>\n\n\n\n<p><a href=\"https:\/\/www.insurancebee.com\/professional-liability-insurance\">Professional liability insurance<\/a> covers the cost of claims for negligence causing emotional distress, medical treatment and loss of earnings. It can pay for medical bills, your legal fees and compensation, if it\u2019s payable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">General liability insurance for mobile beauty therapists<\/h3>\n\n\n\n<p><br><a href=\"https:\/\/www.insurancebee.com\/general-liability-insurance\">General liability insurance<\/a> can take care of the costs of a claim you caused someone injury, or damaged their property.<\/p>\n\n\n\n<p><br>That includes medical bills and the cost of repairing damaged property (or replacing it, if it can\u2019t be fixed). It can also cover your legal defense costs and compensation due, if the case doesn\u2019t go your way.<\/p>\n\n\n\n<p><br>It\u2019ll protect you from the cost of slander and libel claims, too.<br><\/p>\n\n\n\n<p>Not that you\u2019re in the habit of bad-mouthing your customers. But let\u2019s say you\u2019re overheard making a remark to a friend about a particularly tricky client. Unfortunately, it gets back to the client and they decide to sue.<\/p>\n\n\n\n<p><br>If that happens, general liability insurance can cover your legal fees and damages due.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What other insurance do mobile beauticians need?<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">Workers&#8217; compensation insurance<\/h3>\n\n\n\n<p><br>If you employ anyone, even if it\u2019s just one person, you need <a href=\"https:\/\/www.insurancebee.com\/workers-compensation-insurance\">workers\u2019 compensation insurance<\/a>. It\u2019s <a href=\"https:\/\/www.thebalancesmb.com\/how-does-workers-compensation-operate-in-my-state-462786\" target=\"_blank\" rel=\"noreferrer noopener\">the law in most states<\/a>, so don\u2019t risk a fine.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Equipment insurance<\/h3>\n\n\n\n<p>And what about all that equipment you carry around with you? As a mobile beautician you\u2019re like a mini-salon on the move.<\/p>\n\n\n\n<p><br>What happens if it gets lost? Or damaged? Or stolen? Because let\u2019s face it, that\u2019s more likely to happen when you\u2019re constantly on the move.<\/p>\n\n\n\n<p><br>Add <a href=\"https:\/\/www.insurancebee.com\/blog\/what-business-personal-property-insurance-bpp\">business personal property<\/a> coverage to your general liability policy. It protects your portable equipment, including things like your mobile phone, laptop and tablet.<\/p>\n\n\n\n<p><br>A hairbrush, or heating irons, you can probably afford to replace. But a tablet or laptop? How would you run your business without those?<\/p>\n\n\n\n<p>You can find out more about mobile beautician and <a href=\"https:\/\/www.insurancebee.com\/cosmetology-insurance\">cosmetology insurance<\/a>. Or call us at 978.344.4215. We\u2019re always happy to help.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a mobile beauty therapist, you take precautions to protect yourself. You treat clients in their own homes, after all. So, for safety reasons you always let someone know where you are. Insurance is another safety precaution you want to &hellip; <a href=\"https:\/\/www.insurancebee.com\/blog\/types-insurance-mobile-beauty-therapists\">Read more&#8230;<\/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":[67,66,68,69],"class_list":["post-1913","post","type-post","status-publish","format-standard","hentry","category-small-business-insurance","tag-beauty-therapists","tag-freelancers","tag-general-liability","tag-professional-liability"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>What types of insurance do mobile beauty therapists need?<\/title>\r\n<meta name=\"description\" content=\"The right coverage protects you when things don&#039;t look pretty. 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