Hair Salon & Hairstylist Insurance
Is your salon company legally protected? Salons are not immune to the possibility of liability claims.
Hair is cut, styled, trimmed, coloured, and permanently waved or straightened in beauty salons. Other services such as wig cleaning and style, massage, nail treatment, tanning beds, cosmetic advice, and electrolysis may be provided.
Although salons have traditionally catered to women, many now also serve men and children. Services may be provided on the walk-in or appointment basis, or both.
To prevent the spread of disease, beauty businesses are subject to regulatory restrictions. Every beautician, manicurist, or other professional must be licenced as well. Beauticians and other cosmetic services specialists may be employed by shops, or they might rent space to them as independent contractors who furnish their own equipment.
The various professions' status as employees or independent contractors must be determined because it may affect how coverages apply.
A Florida beauty clinic was sued in '09 2009 after causing third-degree burns to a teenager's head while wanting to colour her hair. The adolescent built up $85K in medical bills before filing a lawsuit against the salon for pain and suffering and negligence.
Because the stylist did not follow the color product's instructions, the salon owner was held accountable for the damages. If she had liability insurance, the charges would probably be covered. If she doesn't, she'll have to pay for her error.
With premiums as low as hair and beauty salon insurance $37 per month, cosmetic salon insurance protects your business from litigation. Get a quick price as well as your certificate of insurance right away.
A normal $1,000,000/$2,000,000 General Liability Insurance coverage for small beauty salons costs between $37 and $49 each month, depending on location, services offered, payroll, sales, and experience.
In today's litigious world, getting a loyal client base and constantly following package directions is inadequate. Beauty salon insurance protects salon operators from financial devastation in the event of an accident or a civil court of suit.
While hairdressers and beauticians do their utmost to provide safe services for customers, things happen and accidents happen. The more than 86,000 hair salons and 4,000 barber shops in the United States generate more than $20 billion in income every year, which means there's plenty of chance for things to look wrong.
More than 80% of salons in the United States employ fewer than five people. Consequently, they are small and particularly vulnerable to financial loss, whether consequently of the lawsuit or damage to equipment and other assets caused by storms, fire, or theft. This is where salon insurance can come in handy.