As the owner of a beauty salon and a beauty professional, you have a fulfilling job that involves helping people look and feel their best. You have worked hard to establish your business, and it is our responsibility to protect you from any risks that may threaten your success. Accidents can happen and as a salon owner, the risks are even greater. Therefore, it is important to ensure that you have the appropriate beauty insurance coverage to protect yourself and your beauty or bodywork business.
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Salons and spas face many risks. Employee injury is always possible, and workers’ comp is state-mandated for many businesses so that coverage is important. Accidental fires and equipment theft or damage should be covered as well as chemical and hot iron burns are also a concern, so purchase a policy today.
General liability coverage covers key exposures such as premises liability, product liability, and personal and advertising injury liability.
Whether you own or lease your salon, your property is at the heart of your business. A property policy covers the equipment, such as workstations, inventory, dryers, tables, and chairs, that you depend on to care for your clients.
If you lose income or incur expenses due to a covered loss, such as if your salon is damaged and needs repairs, business income can help you recoup revenue lost from those canceled hair, nail, and massage appointments while your space is being fixed.
You’re good at what you do, but anyone can make a mistake. Professional liability insurance can help cover your costs if a client gets injured and decides to file a lawsuit as a result of the services you provide.
Provide benefits to your employees and protect your business when a work-related injury occurs.
Whether you have employees driving occasionally to run an errand, pick up lunch, or a fleet of drivers delivering products to customers every day, you need auto insurance to protect your business while your employees are on the road.
You work in a very touchy, feely business, and
Defending your business against an employment practices claim can cost you time, money, and emotional distress. An EPLI policy will defend you even if you are not at fault.
If your business is sued and the judgment amount exceeds the liability limits of your primary insurance policy, or you have multiple claims and the limits are exhausted, you leave your business exposed. Umbrella insurance can help address these risks.
Accidents happen, be protected.
One claim involved the day's first customer, whose shoes were wet. The customer slipped and fractured her kneecap. A wet sign was posted, but the client argued that she did not see the sign when walking into the salon.
The claim settled for $65,000 plus $15,000 in legal fees.
A busy stylist exceeded the recommended time for the color to be on the customer’s head and placed it under a hair dryer when the manufacturer’s instructions stated heat should not be used. The scalp burn led to an infection that caused permanent hair loss.
The claim settled for $20,000 and $8,000 in legal fees.
A 77-year-old client tripped on a footrest while getting out of her chair and fractured her shoulder. The footrest was open and obvious to her, but she argued the stylist should have warned her to watch her step.
The claim settled for $72,000
Our insurance program is tailored to meet the unique needs of the beauty industry, offering salon owners comprehensive coverage and top-notch services to ensure peace of mind at an affordable cost.