Most beauty business experts know they need some sort of coverage. But they aren’t totally sure where to start or even why they need a particular policy type. In fact, many just automatically assume that they wouldn’t have a reason for a customer to file a lawsuit. Here are a few things to know about purchasing business insurance as a hairdresser or beautician.
Professional Liability Insurance for the Beauty Industry 
Many beauticians incorrectly assume that liability insurance is just for doctors or lawyers. The truth is that there are a variety of scenarios where having this type of coverage becomes important.
Imagine a situation where a hairdresser leaves chemicals on a customer’s hair too long. That causes significant and long-lasting damage. It is the day before the woman’s wedding, and she sues for emotional distress. Your professional liability insurance would pay for attorney’s fees and court costs to defend against the lawsuit. And this is just one example of why this type of coverage is important. Liability insurance helps those in the beauty industry protect themselves in any situation where a customer sues due to treatment gone wrong.
General Liability Insurance for the Beauty Industry
It is also important for beauty professionals to carry a high amount of general liability insurance. This coverage helps in the event there’s an incident that causes a client to sue you for property damage, slander, bodily injury, or something related.
Not sure where this would pertain to you? Consider a customer who slips on a rug and burns themselves on a hot curling iron while at your salon. Or a situation where you’re helping a bride get ready for her big day on-site and a hair straightener malfunctions causing a fire. General liability insurance protects you against lawsuits and claims in these instances.
Deciding How Much Coverage You Need
When purchasing insurance for your salon, determine how much coverage you actually need. In most cases, the two mentioned policies should be sufficient. But if you’re running a large beauty parlor or begin to offer other services like massage, it might be appropriate to purchase extra business insurance. This is where talking with an agent becomes incredibly important.
Do you own a hair salon, beauty parlor, or makeup studio? Contact us today to discuss your business insurance needs and options.