People are a vain bunch, whether we like to admit it or not. We spend a lot of time and money on all sorts of health and beauty aids to help us look our best. And a lot of that money goes into the care and maintenance of our crowning glory — our hair. So when we go to a hair stylist, we tend to be fairly intolerant of any kind of “mistake.”
But hair stylists are human, and mistakes happen every day. Customers can get injured — a simple slip of the hand can cause a cut or a burn. Or someone can trip over a loose cord and hurt themselves in a fall. And then, of course, there are sometimes unhappy customers who claim that the stylist “ruined” their hair. All of these are reasons why insurance for hair stylists is a must have.
What Kind of Insurance for Hairstylists Is Best?
As a rule, insurance for hair stylists should include general liability insurance, professional liability insurance and coverage for personal and business property. Each of these will protect your business against different kinds of claims.
General Liability Insurance
This coverage protects against third party claims of bodily injury or property damage. So if you accidentally burn a client with a curling iron or a solution you applied to their hair, your liability insurance will cover their medical expenses and your defense costs in the event you’re sued. Similarly, if a client slipped and fell on some shampoo that spilled on the floor, your general liability insurance would cover their medical expenses and any costs associated with a lawsuit. It would also cover the cost to repair or replace a customer’s property that was damaged in the fall. (Say, for example, they broke a pair of designer sunglasses or an expensive watch.)
General liability insurance also protects you against other types of personal injury claims, such as libel and slander. It will also cover you if you’re sued for copyright infringement or advertising injury, such as using another stylists logo or materials from their website.
Professional Liability Insurance
Professional liability insurance protects you in case you’re sued by an unhappy customer in connection with your services. A sort of “malpractice” insurance coverage for hair stylists, it will pay your defense costs and the amount of any settlement or court awarded damages if you’re sued.
If you rent the space where you work, insurance for hair stylists will include coverage that indemnifies the owner if the property is damaged while occupied by you. If you own the property, it will pay to repair any damages caused by a covered event, such as a windstorm or fire. It will also cover the repair or replacement of any products or equipment that are damaged by such an event.
Inland Marine Insurance
This coverage is only necessary if you transport tools or equipment that you use in your work. For example, if you do hair and makeup for wedding parties and take your supplies with you, inland marine insurance will cover them if they’re damaged while being moved from place to place.
If you’re a professional hairstylist, you worked hard to get where you are today. So, don’t leave the job of protecting your hard-won business to chance. Give the Carmoon Group a call today to discuss your business insurance needs. Or if you’re too busy to call, just fill out our online form, and we’ll get back to you right away.