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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 in your own home, or a 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:
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
Business personal property insurance (BPP)
If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.More info
Business owner's policy (BOP)
Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:
Cyber liability insurance
If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.More info
Workers' compensation insurance
Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.More info
Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.
To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.
For help, support or just a quick question, feel free to call me.
I'm Amber - I'm here to help you Monday to Friday, 9am-5pm ET.
My direct line is 978 344 4225.
Customer Service Representative