Our cheap cosmetology 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
You spill nail polish on a client’s designer shoes. The general liability
coverage in your insurance package would help pay for a replacement.
Accidents that hurt someone
A client slips and falls when getting up from a salon chair. Your general cosmetology liability insurance coverage
would also come into play here by helping to pay for medical costs and legal fees.
A client claims that you caused an allergic reaction with certain chemicals, forcing them to reschedule their wedding. Professional liability insurance
helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
You trip over the power cord to your hair dryer and twist your ankle. 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
While driving to work, you slide on an icy road and hit a parked car. 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
During a severe storm, your front windows are smashed by a broken tree branch. 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.