Working as a beauty professional means working intimately with clients in an industry known for its extremely subjective outcomes. Not all your clients are going to be happy with your work, and some may even seek compensation in a court of law. As a result, being a beauty professional comes with a considerable amount of liability risk…perhaps even more than you might have anticipated.
Many hair stylists and barbers rent a chair at a salon, or do work on the side that entails going to clients’ homes, and that means there is a high probability that you are not covered by a particular salon’s insurance policy. So whether you are an employee, a freelancer or the owner of the salon itself, it is essential that you make sure you have the kind of coverage necessary to limit your exposure to potential lawsuits and judgments.
With that in mind, we offer a full spectrum of policies needed to protect your career as a:
As you guide your clients to ever higher levels of excellence in personal grooming and style, you could be exposed to a variety of lawsuits and claims brought on by any number of injuries and accidents that can happen when using so many chemicals and sharp objects, the basic tools of the beauty industry.
However well-meaning the advice you give and the techniques you employ, mistakes can be made. And with beauty industry clients, that could potentially mean harming their career, or destroying that special event, such as their wedding day. That’s why it’s important to make sure you are suitably protected from any number of possible grievances that could lead to a lawsuit.
Commercial General Liability (CGL) is essential protection for potential lawsuits arising from bodily injury or property damage sustained by a client or a host.
Sometimes referred to as Errors and Omissions (E&O), this is important protection against being found legally responsible for accidents or oversights that result in damages to your client (proven or otherwise).
With many hair salons located on the ground floor of an office building, this is common sense protection for your office, salon floor and its equipment.
If your business or freelance operation relies on a website or other systems to attract and manage clients, it may be vulnerable to a cyber attack. Adding cyber coverage to your policy is a wise decision, protecting you against privacy breaches or other cyber crime that interrupts your business operations, leading to loss of income, expensive fixes or ransomware demands.
Call Now and Speak With a Business Insurance Expert. Every Beauty Professional’s circumstances are unique and require different levels of coverage. To make sure your career and business are completely protected, call Mitchell & Whale Insurance Brokers at 1-800-731-2228 for free advice and no-obligation quotes.