The beauty biz is no place to play it safe. From the latest trends to creative cuts, boldness sets the tone and paves the path forward.
The salon industry is where staying on the cutting edge of what’s new and fresh is key to staying on top of your game. Throw in a healthy dose of know-how, commitment to your craft, and hard-earned talent, and you have a recipe for salon success.
While fortune may not favor the timid when it comes to the products and services you offer, a little foresight can save you and your business when something goes wrong. Even when you do everything right, accidents can happen.
From slips and falls to unpredictable client reactions to the ingredients in a certain product, even the best intentions can lead to difficult situations. That’s why investing in salon insurance is so important–it saves you when you face the unimaginable.
Why You Need Salon Insurance
You take pride in your work, as you should. You’re a haircutting, cosmetic-slinging master of your craft. However, even the most talented, hardest-working people can find themselves in less-than-stellar situations.
Whether it’s a once-in-a-lifetime mistake on your part or something no one could have controlled or predicted, the salon business is inherently risky. People can get hurt, personal property can be damaged, and lawsuits are not uncommon.
Before we freak you out or get mired in doom and gloom, know that even when everything seemingly goes wrong, there is still a way out. Salon insurance has your back and can save you from disastrous outcomes by protecting your career from legal fees, expenses, and more.
To protect yourself from the unexpected perils of the beauty biz, you’ll want a comprehensive salon insurance plan. That’s where product liability, general liability, and professional liability insurance for beauty pros come in.
What is Product Liability Insurance?
Think about your average day at the salon. The people you see, the transformations you facilitate, and so on. Throughout the day, how often do you reach for products to use during a client’s session?
For more people, those products enhance the experience and help them feel both healthier and more confident. Sometimes, however, a client may have a negative reaction to a product you’re using or recommending.
In these situations, it is rarely your fault. You can’t know if a product is defective or if your client is allergic (unless they tell you). Still, you could find yourself on the wrong side of a lawsuit.
Product liability insurance protects you in these scenarios by covering the products you’re using in your salon and those you are recommending to your clients. If you have product liability insurance and something goes wrong, you won’t have to take on the financial and legal burdens alone.
General Liability Insurance for Cosmetologists
A salon is a place people come to feel relaxed, renewed, and connected. It’s a community, a form of therapy for some, and more. There’s no doubt you do your part to ensure the environment fosters those feelings.
Even with the utmost attention to detail, the haven that you’ve created and your visitors love can be treacherous. A bit of spilled lotion, a loose rug, or the sharp corner of a desk can lead to tripping, falling, and the injury of a client or damage to their personal property.
General liability insurance is designed to save you in these unfortunate circumstances. Whether a result of negligence or pure happenstance, accidents on the premise of your establishment are your responsibility. With general liability insurance, you are protected from these “slip and fall” events.
Cosmetologist Professional Liability Insurance
You’re a professional through and through. You’ve put in the time, pursued the education, and honed your skills. You put your heart, soul, and sweat into providing the very best professional services at your salon.
Even the most talented, caring cosmetologists can make mistakes or encounter unfair allegations related to their services. From accidentally clipping a client’s ear during styling to assertions of negligence from a previous customer, you could find yourself confronted with litigation.
If you have professional liability insurance, you can rest easy knowing that it will cover such claims. It is the final piece of the salon insurance trifecta designed to protect you when your professional services are challenged.
Salon Insurance – There When You Need Saving
You worked hard to build your career and give 100% to every client that walks through your door. By investing in the right salon insurance, you can experience the peace of mind that your career is safe from legal fees, expenses, and more.
Beauty Insurance Plus provides all three types of salon coverage–product liability, general liability, and professional liability. It’s the go-to top-of-the-line insurance for cosmetologists, thanks to its comprehensive nature and phenomenal perks.
If you want to learn more about BIP’s salon insurance coverage, be sure to peruse our site. It’s packed with valuable information that can help you determine what plan is best for you.
