Beauty salon insurance
Running a salon or barbershop is difficult. Insuring it shouldn't be.
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The highs (and potential lows) of owning a nail or hair salon or barbershop
You and your team keep the rest of us looking and feeling our best. It’s not just the top-notch services you provide; it’s the calm and inclusive atmosphere you have created and the personal relationships you’ve cultivated that keep your clients coming back.
You probably love that every day is different, and let’s face it – some days are better than others. There are risks involved and mishaps happen. Beauty salon insurance can help protect your business and your dreams.
Accidents that could threaten your investments
Without proper beauty salon insurance, claims can take a considerable toll on the financial stability of your business. Here are just a few examples of accidents that could threaten your investments:
Customer injury: a customer could sustain an injury from a wet floor near a hair washing basin.
Employee injury: an employee could suffer back injuries from years of bending over to wash customers’ hair.
Service-related harm: a long-standing client could sustain an unintended injury like a burn from a new hair wax service.
Customer injury.
Employee injury.
Service-related harm.
What kind of insurance do you need for your beauty salon or barbershop business?
You experience high levels of physical interaction, and your employees have various permits, licenses, and skill sets. Service variety, like using chemical relaxers and permanent hair color, can also create potential risks.
General liability (GL) and workers’ compensation (WC) will give you strong baseline protection and peace of mind. However, you are exposed to other unique business risks that might require additional beauty salon insurance coverage beyond standard GL and WC policies if you employ any of the following:
Salon and barbershop owners like you need a comprehensive salon insurance coverage plan that safeguards your business, equipment, and personnel wherever you go. Additional types of beauty salon insurance or barber insurance coverage could include:
FAQs for
beauty salon insurance
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Call now (380) 225-5242
Not all businesses operate the same way. If you rent a chair, but don’t own the salon, you still may be liable for some risks. You will want to speak with a trusted agent who is familiar with beauty salon insurance, as well as any contractual insurance obligations you might be under, to make sure you are properly protected.
Each unique service you provide will present a unique set of risks. You will want to speak with a trusted commercial insurance agent who understands your unique risks and your unique business classification according to the services you offer.
The cost for insurance for your beauty salon will vary depending on your location, the type of services you offer, the number of employees, etc. Check out the coverage pages for sample costs for foundational insurance products like business owner's policy (BOP), business crime, commercial property, general liability (GL), and workers’ compensation (WC). And make sure you connect with a licensed insurance agent to discuss other specific coverages to protect your beauty salon or barbershop.
How to get beauty salon insurance
Getting a nail, hair, or other beauty salon insurance policy that fits the needs of your shop should be as easy and comfortable as the services you provide. Just like getting a cut, color, or style, the painlessness of the process comes down to working with an experienced professional.
While many potential accidents could threaten the stability of your business, working with a trusted advisor who understands the salon industry can help you protect your investments and allow you to focus on helping your customers look and feel their best.
Why choose the Commercial Insurance Center for beauty salon insurance?
By now you understand how important it is for your business to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and industry to get you the right coverage at the right price.
Call the Commercial Insurance Center now at (380) 225-5242 to connect with an agent who has experience providing business insurance for beauty salons and barbershops like yours.
By now you understand how important it is for your business to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and industry to get you the right coverage at the right price.
Call the Commercial Insurance Center now at (680) 225-5242 to connect with an agent who has experience providing business insurance for beauty salons and barbershops like yours.