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Make a mistake in the beauty business and the effects will be more than cosmetic. A negligence claim can scar your reputation. And leave your bank balance looking anything but pretty.
Cosmetology liability insurance protects you when things get ugly. If a customer claims you did something wrong, it pays your legal defense costs, medical bills, and damages too.
Whether you’re a salon owner, nail tech, barber, or hairstylist, beauty insurance is the treatment you want to keep your business account blooming. And your reputation blemish-free.
Cosmetologist insurance can cover the cost of medical bills, legal fees and compensation if a client makes a claim against you for:
If you rent a booth, or work out of premises you don’t own or rent (a salon, or spa for example) you’re required to have your own cosmetology liability insurance policy. But anyone in the beauty business needs insurance. Whether you’re a mobile beautician or hair stylist, you treat clients your own home, or salon
Scissors, trimmers, wax and chemicals -- even in the safest hands, the tools of your trade can cause unintentional injury or allergic reaction. And the ugly truth is, a licensed cosmetologist can be sued even if they didn’t slip up
Professional liability insurance for cosmetologists and beauticians is styled specifically for the kind of risks you face. It means you can get on with the business of making your customers look and feel their best, knowing your business is protected.
It’s available for:
Customers coming into your salon, you do want. Customers slipping, or tripping, and falling in your salon, you don’t want. But accidents happen
If a client slips in a puddle of water, or trips over a hairdryer lead, sprains an ankle and smashes their expensive new mobile phone, you could be liable.
Medical bills, replacement costs, legal fees and compensation…ouch. Without a general liability policy to cover those for you, that’ll be painful.
As you charge customers for beauty treatments, if something goes wrong, your beauty salon can be sued.
The cost of claims for emotional distress and physical injury can add up. You’re looking at legal fees, medical bills, and damages, too, if you’re found at fault. Professional liability insurance for beauty salons can cover these costs. Whether the customer has grounds for a claim, or not.
If you have any employees – even if they’re part-time stylists or beauticians-- you need workers’ compensation insurance. Not just because it’s the law in most states, but because it protects you from workplace injury claims. Worker’s comp can pay for medical bills, legal fees and lost wages. It’ll also protect you from the cost of a lawsuit, no matter who’s at fault.
Skilled as you are, without your equipment, how would you or your staff treat customers? Business personal property insurance (BPP) covers the portable equipment in your salon. From hairdryers to heating tongs and eyelash curlers to armchairs.
If you’re reading this and seeing dollar signs, thinking, ‘that’s a lot of policies for one small beauty salon’, how about buying a business owner’s policy instead?
A business owner’s policy (or BOP) bundles several policies into one. It’s cheaper than buying them all separately, and easier to manage too.
Read more about what types of insurance a beauty salon needs on our blog. Or call us. We’re happy to talk you through your options and style a package to suit you.
As a mobile beauty therapist, whether you’re a sole trader, or you have several employees, there are some basic beauty business insurance policies you need:
General liability insurance – to protect you from the cost of claims you caused damage to someone else’s property, or injury to someone (not one of your employees).
Professional liability insurance – to protect you from the cost of medical bills, legal fees and compensation if a client claims for emotional distress, a treatment gone wrong or personal data loss.
Portable business equipment coverage – to cover loss or damage to your equipment while you’re out and about treating clients in their homes
Read more about the types of insurance mobile beauty therapists need. Or call us and we’ll talk you through your options and style a beauty insurance package to suit you.
Most salon owners who rent booths to independent beauty professionals, don’t provide insurance. Whether you’re a hair stylist, barber, nail tech or esthetician, you’ll be required to have your own.
Your booth rental insurance should include the basics:
But there are other policies you might want, like business personal property insurance. It covers your tools and equipment if they get lost, damaged or stolen.
Read more about booth rental insurance on our blog. Or call us and we’ll talk you through your options