News About Hair Salon Insurance

Hair Salon Holiday. What’s Not To Like?  

A Strong Case For Hair Salon Insurance

Many people look forward to getting the best when they take a trip to a hair salon. It’s like a mini getaway. Relax and be pampered: what’s not to like? Tricia W, a Makeup Artiste from Wilmington has a different story to tell. I must warn you, it’s not a happy one.

Tricia watched it unfold like this. Most people visit a particular stylist at a hair salon. This could be because they like that stylist or barber’s work, or the stylist puts them at ease, or maybe because they know them personally.  One of these regulars to the salon where Tricia was working was a 60-year old woman who always insisted on her favorite stylist. She would kick up a fuss if something wasn’t to her liking. She had beautiful thick hair but, despite the fashion for gray, she liked to keep her’s blonde. Of course, this took regular trips to the salon to keep the roots from showing. To say that she was quite a handful is an understatement.

So on this particular occasion, she arrived on time for her appointment but was horrified to discover that her stylist was not there. The truth was that the stylist had to rush her toddler to hospital. If it had been anything less than an emergency for the stylist, then this story may have turned out better. Nevertheless, she made sure to call the salon and speak personally with her client, reassuring her that a colleague would take care of her hair. The client was skeptical, but agreed.

Pretty Horrible

To cut a long story short, the treatment was a disaster. The step-in stylist used the wrong strength chemicals and burnt the client’s scalp and forehead. It was a very painful accident — for the client as well as the hair salon. She sued the salon for negligence, physical injury, and emotional trauma.

This is a reminder that, even for well-trained stylists, things can go wrong. And just like in Tricia’s stylist friend’s case, the legal fees involved could be quite enormous. In fact, if the hair salon had not had insurance, they would probably have had to shut down.  This is why all hair and beauty salons need to invest in the right insurance policy.

In the U.S., most of the salons are small-scale businesses or one-shop business, which in turn increases financial loss risk in the event of fire, law-suit, or break-in. A hair salon general liability insurance policy can help save the day. Like any small business, if you don’t protect yourself from the cost of claims and litigation, you could find yourself out of business.  Ask the friendly insurance consultants at Small Business Liability for advice on the best business owners policy for your hair salon or beauty business. Rather this than wishing you had an insurance policy in place when things turned bad.

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