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Hair Salon Insurance

5 BEST REASONS TO GET HAIR SALON INSURANCE 

Protect Your Reputation

Insurance protects against employees misrepresenting your company

Plan For The Future

Insurance protects against unforeseen risks

Lawsuit Protection

Vital protection in a litigious society

Prevent Financial Ruin

Insurance helps your business survive disaster

Get Peace of Mind

Insurance protects the little guy

Hair Salon Insurance Could Save Your Small Business

As a hair stylist, your clients literally place themselves in your hands, trusting you to take care of them.  You know that it takes time for a client to trust hair stylists with their haircut or hair coloring.  Once a hair salon or barber shop has gained trust, you’ll find yourself regularly styling that client’s hair.  This is a hands-on industry where you deal personally with people on a daily basis.

Not everyone would agree that your job as a hair stylist or hair salon owner is stressful. But, the combination of being an artist and a confidante day in and day out can be extremely draining. The beauty services industry may look glamorous, but it takes hard work, time and dedication to build a successful small business. No matter how much you love you career as a hair dresser and small business owner,  it is essential that you ensure that you not only look after your client’s hair  but you look after yourself and your team in every way possible.

When There’s Trouble In Paradise

From medical bills for bodily injury in a small business, to potential product liability claims, breakdown of machines and tools needed, negligence or theft of personal property, having liability insurance coverage means that you will know where to turn should the unexpected happen. With the certainty of being protected from the outset, ‘It will never happen to me’ will never cross your mind. And, if it does ever happen to you, you can sigh with relief that you have hair salon insurance.

We have all heard the  saying, prevention is better than cure. This is even true for a hair salon owner. Small business liability insurance is a necessity for any business.  Ensuring that your passion is best protected with professional liability insurance means that you can continue to offer a high quality of service without worrying about what you’d do if something goes wrong in your hair salon.

Prepare For The Best

If you are unprepared, you could lose your small business. It’s as simple as that. What could you do if you have to pay legal claims and costs? Hair salon insurance such as a business owners policy will give you the coverage you need to keep your business safe. Ask Small Business Liability for a customized hair salon insurance solution.

Choose Small Business Liability for the Right Insurance at the Right Price.

What if …

Imagine that you have a fully booked day of back-to-back clients needing hair styling for prom. The salon is so busy hair coloring and styling with hair dryers blowing that the electricity trips and delays your service. Under stress not to lose clients or to ruin the prom for your excited clients, you work faster and accidentally cut your hand.

You now require medical assistance, an electrician, and stand to lose income from your unhappy clientele. Will they ever be back for a haircut, hair coloring or styling? It is likely that you’ll never touch these client’s hair ever again. To top it all off somebody trips over something in the busy salon bumping into one of your hairdressers. This causes them bodily injury. It’s an accident, but what if they sue?

Even if you already have a hairstylist insurance policy, it is imperative to ensure that this liability coverage is periodically reviewed. As your small business expands, adding more hairdressers or estheticians,  it is wise to increase your insurance coverage as well. In this way salon owners like you protect your assets and your reputation.

Our insurance company is with you every step of the way. Our insurance coverage service doesn’t end once you’ve purchased a new business owners policy (BOP) or reviewed your existing salon insurance coverage. Because we are a well-established insurance company, we know the value of partnerships. When your hair salon business takes you to new and exciting places, we will continue to provide reliable insurance coverage advice and support. We recommend that you start your journey with free insurance quotes.

claim your free quote from SBL

What Hair Salon Insurance Coverage Do You Need?

Commercial General Liability Insurance

This liability coverage protects rental property owners against claims of alleged or actual bodily injury or property damage to third parties (these include visitors, tenants, delivery persons, etc.). The general liability coverage is important in protecting you from lawsuits.

Loss of Income Coverage

Insurance coverage that reimburses for the loss of income due to damage by a covered loss

General Liability Insurance

For third-party bodily injury and property damage coverage. Typically includes insurance coverage for both premises and styling products.

Equipment Breakdown Coverage

Your hair salon business relies on your hairdressers equipment. Loss must be sudden and accidental. Wear and tear is not included in this type of insurance policy

Trust Small Business Liability To Protect Your Hair Salon

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