Our beautician insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
A facial treatment formula stains a client’s expensive blouse. The general liability
coverage in your insurance package would help pay for a replacement.
Accidents that hurt someone
You bump a client’s ear with a curling iron, causing a burn. Your general beautician liability insurance coverage
would also come into play here by helping to pay for medical costs and legal fees.
A client claims you made their hair fall out with the wrong hair dye, causing them to miss work. Professional liability insurance
helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
You get a cut when handling pedicure tools and need a few stitches. Workers’ compensation insurance
with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.
Injuries and damage involving your business vehicles
A branch shatters the windshield of your business vehicle during an overnight storm. Commercial auto insurance
will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.
Damage to your own property
A small fire breaks out and causes damage to your salon. Commercial property insurance
can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.