{"id":2075,"date":"2021-04-29T12:59:21","date_gmt":"2021-04-29T12:59:21","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=2075"},"modified":"2024-10-24T13:05:43","modified_gmt":"2024-10-24T13:05:43","slug":"insurance-cosmetologists-beauticians-need","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/insurance-cosmetologists-beauticians-need","title":{"rendered":"What types of insurance do cosmetologists & beauticians need?"},"content":{"rendered":"
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\"two<\/figure>\n<\/div>\n\n\n


When you make a mistake in the beauty business, the damage won\u2019t be purely cosmetic. A legal claim can leave your bank balance looking anything but pretty. And your reputation permanently scarred.<\/p>\n\n\n\n


Whether you\u2019re a hairstylist, nail tech, salon owner or barber, the right coverage protects you when things get ugly. But trying to figure out what insurance cosmetologists and beauticians need can be time-consuming and confusing.
<\/p>\n\n\n\n

So here\u2019s a simple Q&A to help keep those frown-lines at bay:<\/p>\n\n\n\n

Do clients come for treatments at your premises? Do you treat clients in their homes or their place of work?<\/h4>\n\n\n\n


If the answer\u2019s \u2018yes\u2019 to either or both of those questions, you need general liability insurance<\/a>. It protects you from claims for:<\/p>\n\n\n\n


\u2022 Bodily injury to someone (not you, or one of your employees. And if it’s not related to your professional services)
\u2022 Damage to someone else\u2019s property
\u2022 Personal injury (slander\/libel)<\/p>\n\n\n\n


Say a client slips on your wet salon floor, or trips over a hairdryer cord, and needs medical treatment. They could claim that you caused them an injury and sue you. Or you accidentally spill nail polish over a customer\u2019s brand-new, designer handbag? Or one of your clients overhears a not-so-nice remark you made about them and sues?
<\/p>\n\n\n\n

Without general liability insurance, you\u2019ll have to find the cash to cover the expense of a legal claim. That could include repairs, or replacement costs, or medical bills and compensation, if it\u2019s due. Not to mention legal fees and court costs if the case goes further.<\/p>\n\n\n\n


Even if a claim is groundless, general liability insurance (GL) can take care of the costs for you. It\u2019ll hire you an attorney if you need one, pay for repairs or replacement, plus legal expenses and damages due. And if you caused injury and it’s not related to your professional services, GL can cover the injured party’s medical bills too.<\/p>\n\n\n\n

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

Do you charge for your beauty treatments?<\/h4>\n\n\n\n


If the answer\u2019s \u2018yes\u2019, you need professional liability insurance<\/a>. That\u2019s because charging clients for your services makes you a professional. And professionals can be sued for negligence, even if they did nothing wrong.
<\/p>\n\n\n\n

Now a claim like that \u2013 even if there are no grounds for it — isn\u2019t just bad for your bank balance, it can seriously damage your reputation. And in the beauty industry, that\u2019s the kind of blemish that can lose you customers.
<\/p>\n\n\n\n

Cosmetologist professional liability insurance<\/a> can pay medical bills, legal fees and compensation if a client makes a claim against you for:<\/p>\n\n\n\n

\u2022 Emotional distress: leaving hair dye on too long by mistake causes scalp burns and damage to the customer\u2019s hair. Unable to work for several weeks, he sues you for emotional distress, bodily injury from the burns and missed wages.<\/p>\n\n\n\n

\u2022 A treatment gone wrong: a facial irritates a customer\u2019s skin so severely she needs medical treatment and loses a scheduled modeling job. 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 accidentally losing a file containing their personal information.<\/p>\n\n\n\n

Do you employ anyone?<\/h4>\n\n\n\n


If your answer\u2019s \u2018yes\u2019, you need workers\u2019 compensation insurance<\/a>. It\u2019s required in most states<\/a>, even if you only have one employee. It\u2019s worth checking your state\u2019s requirements as penalties can be severe.
<\/p>\n\n\n\n

But it\u2019s a good policy to have anyway, as it protects your beauty business from the cost of workplace injury claims. And let\u2019s face it, the tools of your trade have accident-causing potential. A wet floor could cause an employee to slip and fall. A hot styling tool could scorch, or a chemical could burn.<\/p>\n\n\n\n

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

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

Do you use email? Do you have a website? Can customers book appointments online? Do you take payments online?<\/h4>\n\n\n\n

If you answered \u2018yes\u2019 to any of these questions, cyber insurance<\/a> is a must-have.<\/p>\n\n\n\n

Because these days everyone\u2019s a target. And the cost of recovering from a cyber- attack? Let\u2019s just say it\u2019s enough to put a small beauty business out of business.<\/p>\n\n\n\n


If you get hacked, your IT system could go down taking your website with it. If that happens, how will you know who\u2019s booked in for when? And when customers do turn up, how will you access their personal files?
<\/p>\n\n\n\n

Cyber insurance not only provides you with the cash to recover from an attack, it gives you 24\/7 technical support to deal with one. So you\u2019re back on your feet doing business again fast.<\/p>\n\n\n\n

Do you own or rent premises?<\/h4>\n\n\n\n

If you answered \u2018yes\u2019, then you want property insurance. In fact, if you rent premises your landlord may insist you have it before they\u2019ll sign a lease with you. That\u2019s so they know the building is protected.<\/p>\n\n\n\n


But property insurance also protects your contents. That means everything from hood dryers to treatment tables and styling tools to reclining chairs.
<\/p>\n\n\n\n

What if a fire were to start in the back room where you store your dyes, essential oils, nail polish and other flammable items? If it spreads and the sprinklers kick in you won\u2019t just have smoke damage to worry about. There\u2019ll be water damage too.<\/p>\n\n\n\n


Property insurance takes care of repairs and replacement costs for damage caused by fire, theft, flooding or other covered disaster. Without it, you\u2019d have to pay for a complete make-over out of your own pocket.<\/p>\n\n\n\n

Business owner\u2019s policy <\/h2>\n\n\n\n


If you need property insurance as well as general liability insurance, you might want to consider a business owner\u2019s policy (BOP<\/a>). A bundle of insurance policies designed for small business owners, it comes with general liability and property insurance as standard.<\/p>\n\n\n\n


You can also customize it to suit your beauty business\u2019s particular needs. So you can add in protection for data loss, funds transfer fraud, equipment breakdown and more.
<\/p>\n\n\n\n

It usually works out cheaper than buying the individual policies. And because it acts like one policy, it\u2019s easier to manage too.<\/p>\n\n\n\n

Cosmetologists and beauticians insurance quotes online<\/h2>\n\n\n\n


Still not sure what types of insurance you need? Call us at 978.344.4215. We\u2019d be happy to talk you through your options and get the right coverage for you, fast. Check out our cosmetology insurance<\/a> page to find out more. <\/p>\n\n\n\n


Ready to get your quote? Get a quote online<\/a> now.<\/p>\n","protected":false},"excerpt":{"rendered":"

When you make a mistake in the beauty business, the damage won\u2019t be purely cosmetic. A legal claim can leave your bank balance looking anything but pretty. And your reputation permanently scarred. Whether you\u2019re a hairstylist, nail tech, salon owner … 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":[30,1],"tags":[94,95,92,93],"class_list":["post-2075","post","type-post","status-publish","format-standard","hentry","category-small-business-insurance","category-uncategorized","tag-barber","tag-beauty","tag-nail-tech","tag-stylist"],"yoast_head":"\r\nWhat types of insurance do cosmetologists and beauticians need?<\/title>\r\n<meta name=\"description\" content=\"The right coverage protects your beauty business when things get ugly. 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