Business Insurance for Hairdressers and Beauticians
If you’re a beauty industry professional, you might feel challenged when you start your search for the right commercial liability insurance benefits. Many in the industry automatically assume that they wouldn’t have a reason for a customer to file a lawsuit. But, the fact is that this risk exists in all aspects of all businesses at all times. Here are a few things to know about purchasing business liability insurance as a hairdresser or beautician.
Professional liability insurance isn’t just for doctors or lawyers. It helps those in the beauty industry protect themselves in any situation where a customer sues due poor treatment or service.
For instance, imagine a situation where a hairdresser leaves a chemical on a customer’s hair for too long. This can cause significant and long-lasting damage. It’s the day before the woman’s wedding, and she sues for emotional distress. Your professional liability insurance would pay for attorney’s fees and court costs to defend against the lawsuit. Additionally, if you have to settle with the impacted individual, your liability insurance can provide the settlement money. This example shows the importance of carrying professional liability coverage.
It’s imperative for beauty professionals to carry a high amount of general liability insurance. This coverage helps in the event of an incident that causes a client to sue you for property damage, slander or bodily injury.
Consider, for example, a customer who burns themselves on a hot curling iron while at your salon. Or, perhaps there’s a situation where you’re helping a bride get ready for her big day, and a hair straightener malfunctions, causing a fire that damages the venue. General liability insurance protects you against lawsuits and claims in these instances.
When purchasing insurance for your salon, determining how much coverage you actually need is essential. The professional liability and general liability policies should be sufficient in most cases, but extra coverage may be beneficial. Talking with an agent can help you choose the coverage to fit your particular needs best.
Do you own a hair salon, beauty parlor or makeup studio? Contact us today to discuss your business insurance needs and options.