Top Things To Look for When Purchasing
Hair Stylist Liability Insurance Online
The health climate that we live in today has changed the way that beauty professionals across the country are able to offer services like hair styling to clients.
Today’s hair stylists have to be more mindful than ever of the risks that are present in the industry and take the appropriate steps to protect themselves from liabilities.
The obvious first stop for most professionals is hair stylist insurance, but how do you know a quality insurance plan from a so-so one? Today’s spotlight is focused on the top things to look for in the best liability insurance for hairdressers.
Hair Stylists Insurance 101
No one plans on an accident happening, but the simple fact is that they do every day. Hairdressing involves being up close and personal to clients, using different tools and chemicals, and doing all of your work around highly-sensitive areas of the head.
Hairdressers without insurance risk their career and their livelihoods by leaving them exposed to having to pay the costs of a claim completely out of their own pocket. Insurance for hairdressers provides the financial backing and peace of mind when a covered event presents itself during the policy term. A really solid hairstylist insurance plan will also offer a host of other benefits that brings additional value to policyholders.
What does liability insurance for hairdressers cover?
A comprehensive hair stylist insurance plan covers professionals from the biggest liabilities they face i.e. general, professional, and product liabilities. However, an all-encompassing insurance plan for the modern professional goes further with additional protections like stolen equipment coverage, rental damages coverage, and identity protection.
- General liability insurance for hairdressers covers a policyholder in the event that a third party reports they had an injury or damage to their property on, in, or around your place of business and then holds you responsible for covering all of their costs.
- Professional liability insurance with hair stylists deals with the actual services a professional hairdresser provides to their clients. For example, while getting the perfect look, a slip of the wrist could cause an injury with a hot curling iron. The client has to get medical treatment and plastic surgery for their scars. They decide to get a lawyer to handle their case who then presents you with a demand letter for all of the costs.
- Product liability insurance for beauty professionals pertains to the many different products that are used during a styling session. When a client has a severe allergic reaction, they may hold you liable for any medical costs, lost wages, legal fees, and other associated costs with the event.
- Rental damages coverage applies to the cost of fixing rental premises that’s been damaged during the course of your occupancy of the space. Many leases will specify the renters’ responsibility to fix damages but even when there’s not a specific provision, the landlord can still hold you legally responsible for covering the cost of repairs. Since many hairdressers rent booth space, this coverage type is especially important to include in coverage for today’s beauty professionals on-the-go.
- Stolen equipment coverage helps replace valuable tools of the trade that are stolen during a robbery by force. You have enough on your plate after a theft robs you of tools you use to earn a living to worry over the replacement cost. That’s why our hair stylist insurance coverage provides all the way up to $1000 with a $250 deductible for stolen equipment.
- Identity theft protection is included because we live in a world that relies on digital connectivity more than ever. To be relevant you have to be online, but to be online opens you up to additional risk for online identity theft. An identity breach can be costly and time-consuming, which is why our plan includes up to $25,000 in identity restoration services.
Remember, liability insurance for hairdressers should never be confined to just liability. There are other risks out there that professionals need to be aware of and plan for in order to ensure they are able to keep doing what they love for the long haul. Receiving all of this insurance coverage at one of the best rates in the industry is just icing on the cake.
How much is hair stylist insurance?
Digging into the costs of different insurance plans for hairdressers is a truly important step as you consider your options. Do note, however, that price should never be the single determining factor in your decision making process. Always look at the price of the plan relative to what it’s actually providing.
- Are the coverage types limited to only a few areas like general and professional liability?
- Are the limits really small?
- Do they cover multiple hair services or just a select few?
These are all questions that demonstrate the need to find the right insurance for your brand of hair styling services. While some insurance programs make you fill out a whole questionnaire just to get a quote, we use upfront, no-nonsense pricing for hairstylist insurance that’s posted right on our site - so you always know just what you’re paying for coverage.
Current pricing for hair stylist liability insurance from Beauty Insurance Plus includes several options such as:
- $159 or as low as $14.58 per month for One Year of Professional Coverage
- $135 flat rate or as low as $12.38 per month for One Year of Part-Time Professional Coverage
- $279.95 flat rate or as low as $25.66 per month for 24 months for Two Years of Professional Coverage
- $25 for One Year of Student Coverage
- $39 for One Year of a Benefits-Only Plan (excludes insurance coverage)
Humble brag, Beauty Insurance Plus provides one of the toughest suites of coverage options and some of the best rates available in the industry.
We’re able to provide this level of service because of our intimate knowledge of the beauty industry and specifically with insuring beauty professionals.
Comparing Hair Stylist Liability Insurance Plans
As you’re starting to get a feel for what a quality insurance plan for hair stylists looks like, you’re likely looking over a few different options. At Beauty Insurance Plus, we don’t believe your coverage should be hard to understand what you’re getting.
That’s why we include a full comparison of everything we offer right alongside the leading competitors in beauty insurance. We do this because we’re confident in what we do and the level of protection we’re able to provide to our professional beauty members.
Even so, you should always look over several options before you make your buying decision - especially for something as important as insuring your career in the beauty industry.
A few key areas to make sure are present in your comparison include:
- Coverage: thinking of where and how you conduct services, check to see that the insurance plan provides enough of a diversity of different coverage types e.g. general liability coverage, professional liability coverage, product liability coverage, and the several others we highlighted above, to realistically cover you in the event of a claim.
- Price: while price alone shouldn’t be the deciding factor, it’s definitely up there for most every professional weighing their options. Make sure the plan is competitive in its pricing, while providing a good level of coverage for your situation.
- Benefits: great insurance doesn’t stop at coverage, it should also include added benefits that actually get used. Beauty Insurance Plus includes things like access to exclusive deals and a free professional website for promoting your services online - all just to provide our members a little more bang for their buck.
Looking over the C-P-B will give you a fairly good picture of the major aspects of one plan over another. You should always make sure you understand the coverage you’re getting and exactly how much it’s going to cost given your unique situation before ever deciding on any one hair stylist insurance plan.
The Two Types of Hair Stylist Insurance
A crucial stop on your hairstylist insurance journey needs to be in the fine print. Yeah, we know it can be kind of boring, but an important distinction to make certain is between occurrence type coverage and claims-made type coverage.
Occurrence claim coverage says that you can still submit a claim after your policy has expired. How, you ask? This coverage type gives you a sort of ‘grace period’ after the policy expires to still go back and file a claim for a covered event that occurred when the policy was actually still active.
Claims-made says you have to file your claim while the policy is active in order to get coverage. Occurrence form is by far the industry’s preferred choice but some insurance plans use claims-made to keep down costs.
How to Get Hair Stylist Insurance Coverage in Minutes
With Beauty Insurance Plus, we don’t make stylists jump through a bunch of hoops just to see rates.
There’s no long questionnaire form or endless questions, just use our simplified application process where you can get great coverage in just a few minutes’ time.