Insurance By Trade
Hair Salon Insurance
Hair Salon Insurance
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.
- Commercial General Liability Insurance
- Commercial Property Coverage
- Loss of Income Coverage
- Equipment Breakdown Coverage
Hair Salon Insurance Could Save Your Small Business
What it is Hair Salon Insurance?
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.
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.
Vital protection in a litigious society.
Prevent Financial Ruin
Insurance helps your business survive disaster.
Get Peace of Mind
Insurance that protects the little guy.
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.
“It will never happen to me!”
Are you prepared if it ever does?
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.
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?“
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.
Commercial Property Coverage
For third-party bodily injury and property damage coverage. Typically includes insurance coverage for both premises and styling products.
Loss of Income Coverage
Insurance coverage that reimburses for the loss of income due to damage by a covered loss
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
Benefits of get insured by
Small Business Liability.com
Small Business Liability.com have created a comprehensive guide to the insurance required before starting a business for each of the specific professions listed below.
If you have any questions, we are staffed with experts in the insurance field willing to help.
With our expertice we can guide you to the right coverage for your business.
We know your time is really thight, but you can set up a call at any time, we are 24/7.