Top 5 Reasons to Protect Your Mobile Hair & Beauty Business with Insurance
Being able to offer your services as a mobile hair and beauty business means you get to go where your clients are rather than being tied to a single brick and mortar location. There’s a lot of benefits to operating under this arrangement but with a hairdresser insurance policy that doesn’t cover mobile beauty services, any services you provide may lack coverage.
Today we’ll highlight the top 5 reasons why mobile beauty insurance is so vital for protecting the way you earn a living and how to spot the best insurance policy for mobile beauty professionals.
1. Mobile Hairdresser Insurance Covers General Liability
As a mobile hairdresser, renting booth space in a salon is fairly common. You may think that since the salon has their own general liability policy that you’ll be adequately covered if an accident takes place. True, general liability coverage covers events like a slip and fall injury occurring on the premises, but even if the salon’s coverage does extend to you, the coverage can be very small.
Leaving yourself exposed to general liability by simply assuming that you’re covered is not a great long-term success strategy. That’s why individual mobile beauty insurance is the best way to ensure you have the coverage you need to keep doing what you love.
General liability is just that, general in all the ways that accidents can result in injuries or property damage befalling third-parties. If you’re seeing a client and they slip on some spilled hair treatment you accidentally left on the floor, they may decide to seek legal action against you if they sustain injuries.
In some cases, an injured party may try to go after both the salon owner and the individual mobile hairdresser to get fully compensated. This hammers in why having your own mobile beauty insurance policy with stout provisions for general liability is a must for beauty pros on the go.
2. Mobile Beauty Insurance Covers Professional Liability
Next up is a huge aspect of mobile hairdresser insurance. With hair, make-up, and cosmetology in general, there are a lot of tools and products used to create the perfect look. Using hot irons, sharp instruments, chemicals, and more all carry a large degree of risk which is why education and licensing for beauty professionals is so stringent.
Clients are trusting their stylist to keep them safe and free from harm during their visit. Unfortunately, even for the most practiced hairdressers, being as careful as possible, there’s still a chance for accidents to happen every day.
Professional liability coverage applies to claims alleging malpractice i.e. “bad practice” during a session which resulted in injuries or property damage to the third party. This type of insurance coverage is vital no matter where you provide services as it’s related to the actual services you provided.
When even a small slip of the wrist or a momentary lapse in judgement when mixing chemicals can cause life-altering injuries, the stakes are extremely high for beauty professionals. Without professional liability insurance in place that covers mobile beauty services, you can be left dangerously exposed to any clients even alleging an injury or damages resulted from their session with you.
3. Mobile Hairdresser Insurance Covers Product Liability
Curtailing on the last reason why insurance is so crucial for professionals is product liability coverage. This extends beyond the services you provide to the actual products themselves. Whenever you use a type of product during a session that causes an unfortunate reaction in a client, they may seek damages under the premise of product liability. Since the beauty profession relies on an absolute plethora of different products, product liability coverage is vital in a comprehensive insurance policy made for the real world.
In the current health climate, beauty professionals are being more mindful than ever with keeping their space and tools clean. Even these cleaners that are meant to protect can result in a client having a bad allergic reaction. Their ambulance, ER visit, follow-up visits, missed work, and other costs can all be leveled against the beauty service provider if a suit is filed.
General, professional, and product liability coverage limits include both the costs of a claim and also cover legal defense fees if they’re necessary to protect our member.
4. Additional Coverage with Mobile Hair & Beauty Insurance
Having three big liabilities covered tight might well be every reason you need to get the protection of mobile beauty insurance. But even with great coverage for these, today’s professionals need additional protections in order to be able to operate with confidence. BIP includes these additional coverages to provide the comprehensive protection our members deserve in their insurance policy.
These three additional coverage areas included with the mobile beauty professional insurance policy include:
- Rental Damage Protection: renting booth space as a mobile hairdresser means you’ll almost always have a lease agreement in place. This rental agreement most likely describes your responsibilities for covering any damages that happen to the space you’re renting.
Even if they don’t, the salon owner can still demand that you pay up when damages occur. Understanding that accidents happen every day, BIP’s insurance for mobile hairdressers and beauty professionals includes all the way up to $100,000 to help cover the costs of repairs.
- Stolen Equipment Coverage: we’ve already discussed just how much mobile cosmetologists rely on many different products and tools in order to really pull off a great service. But what happens when these are stolen in a robbery-by-force? The obvious first reaction is to be shaken but then comes the realization you’ll have to pay to have the items replaced. Supporting our members through times like these is why our insurance for mobile beauty professionals covers stolen equipment too. Members receive up to $1,000 to cover the cost of replacements with a $250 deductible.
- Identity Theft Protection Plan: a crucial aspect of a mobile beauty professional’s day-to-day is staying connected. That means relying on the internet for an increasing number of business activities. Unfortunately, with a greater reliance on being connected, there’s simply a greater chance for a cyber incident to occur. Whenever a member’s identity is compromised, they receive all the way up to $25,000 in identity restoration services.
These additional protections are what make a good insurance policy great. That means providing the best all-around protection possible applicable to the actual risks facing today’s professionals.
5. Affordable Rates for Comprehensive Mobile Beauty Insurance
When rates are extremely affordable and you get the kind of tailored coverage you need for a career as a mobile beautician, it’s hard to justify taking your chances without insurance. Beauty Insurance Plus created several different options to cater to however our professional members operate.
To get an entire year of coverage is just $159 up front or as low as $14.58 per month. The part-time rate is even less at $135 up front of as low as $12.38 per month. The real savings comes with purchasing a two-year term up front for $279.95 or as low as $25.66 per month for 24 months.
Looking at the comparison chart of beauty insurance providers’ plans that we conveniently put right on our site, you can see that BIP isn’t the lowest insurance plan. Aghast? BIP’s policy is indeed $14 more expensive than the lowest-priced insurance out there.
The reason behind this is because the lowest priced plan is somewhat lacking in coverage. The plan doesn’t cover stolen/damaged equipment, doesn’t provide identity theft protection, doesn’t cover 350+ beauty services, and doesn’t provide any form of member benefits. We’re proud to have both a comprehensive insurance offering and affordable rates built into our mobile beauty insurance program.
Bonus #6 Reason - the Benefits Programs that Comes with Your Policy
You just got a sneak peak with bonus reason #6 in the form of the benefits program that comes with your insurance plan. When you choose to protect your mobile hair and beauty business with insurance, BIP includes both a stout policy and a suite of different protections, plus an entire benefits program that’s worth hundreds by itself.
Members enjoy exclusive discounts and early-access deals on products from some of the very best names in beauty like Redkin and Paul Mitchell. There’s also a free subscription to any one of six different leading beauty publications and a free, easy-to-customize website.
You may have noticed that not every insurance provider out there gives a member benefits program with their policies. We believe that insurance needs to produce a value even if all it ever does is stand guard. Our policies are built to provide the kind of real-world protection professionals need to practice with confidence and also provide tangible benefits to support them throughout their careers.
Getting Mobile Hair and Beauty Insurance Online
Mobile beauty insurance from BIP is meant to be as easily-accessible as possible.
From the quick online application, through instant access to plan documents, on to getting support when it’s needed, this plan was designed with busy beauty pros in mind.