Hair and Beauty Salon 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 $37 per month, cosmetic salon insurance protects your business from litigation. Get yourself a quick price and your certificate of insurance immediately.
A normal $1,000,000/$2,000,000 General Liability Insurance policy for hair and beauty salon insurance small beauty salons costs between $37 and $49 a month, depending on location, services offered, payroll, sales, and experience.
In today's litigious world, possessing a loyal clientele and constantly following package directions is insufficient. Beauty salon insurance protects salon operators from financial devastation in case of an accident or a civil court of law 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 america generate more than $20 billion in income each year, this means there's plenty of chance for things to go wrong.
More than 80% of salons in the United States employ less than five people. As a result, they are small and particularly vulnerable to financial loss, whether because of this of a lawsuit or damage to equipment and other assets caused by storms, fire, or theft. That's where beauty salon insurance can come in handy.