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  • Writer's pictureVincent Fuccilli

Hair Salon Insurance

Hair Cut

Having the right business insurance coverage is crucial. We know how dedicated you are to your customers. And so are we. That's why we work to get to know every small business we serve. This helps us match coverages to the specific risks you may face at your beauty salon.

What Salon Insurance Should Hairstylists Have?

  • General Liability Insurance

  • Barber Shop and Beauty Salon Professional Liability insurance

  • Business Income

  • Business Personal Property

  • Employment Practices Liability

  • Cyber Security & Data Breach

  • Workers Compensations

Claim Examples

General Liability insurance helps protect your business from lawsuits that result from bodily injuries, property damage, libel or slander.

"I had just put this beautiful new rug down in the waiting area of my salon. However, the edge of the rug was curled up and I didn't notice it. An older client walked in, she tripped over it and fell head first in my display cabinet."

Professional Liability insurance helps protect you and your company against lawsuits that claim the professional advice or services you've provided caused a client harm.

"My cosmetologist did makeup for a bride with a nickel allergy. She applied temporary makeup and sent the bride a list of all the ingredients in each of the makeups beforehand. The bride approved the makeup on the list. However, the bride's eyes swelled really bad, and she sued my makeup artist."

Professional liability also covers bodily injury, property damage and personal or advertising jury from the services your employees have performed.

"We trained our new esthetician how to work our wax machine. However, on her first client, she spread the wax on too soon and it ended up causing a very bad burn."

Business Income off premises coverages helps protect against the loss of business income when your tools or equipment are damaged outside of your salon.

"My team travels a lot for weddings. We were doing hair for a big bridal party with a lot of little kids. One of them tripped over our cords for the curling irons and knocked 3 of them onto the floor, cracking the ceramic and completely destroying them. We had to cancel several appointments until we could get replacements."

Business Property Insurance helps protect your equipment; from curling irons to computers.

"I had just remodeled, which included upgrading all of my stylists' tools. I got them each top of the line blow dryers and shears which totaled well over $6,0000. Unfortunately, someone broke into the hair salon a few nights later, stealing it all."

Employment Practices Liability insurance provides coverage for claims made by employees alleging discrimination (based on sex, race, age, disability), wrongful termination, harassment, and other employment related issues.

"I had an employee who's attitude was disruptive to the hair salon. I just had to let her go. Employee brought a wrongful termination claim against the salon, stating they were fired unlawfully and they lost their job for reasons that had nothing to do with their performance."

Cyber insurance can help cover the cost of investigating a date breach incident, restoring your website and systems, PR to restore your good name and pay regulatory fines.

"Our salon does many things digitally, from booking appointments, to taking payments and storing our clients information in our data base. Unfortunately, a hacker got into our system and was able to access some of our clients personal data."

Workers Compensation insurance is required by most states to help small business owners provide important benefits for work-related injuries or illness.

"My receptionist was helping me on a busy Saturday and took my new pair of scissors to clean. She was rushing and didn't realize how sharp they were and ended up badly slicing her finger. It was so bad that she needed 20 stiches."

Hope this Helps!

*The content contained in this blog is for informational purposes only. It should not be considered insurance advice since every client's needs and circumstances are different. Bergen Insurance Group, LLC makes no representation as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All statements represent the sole opinion of the author and is provided on an as-is basis. For an actual description of all coverages, terms and conditions, refer to your insurance policy.

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