Beauty Salon Insurance

Customized insurance solutions for your needs

The beauty industry is gorgeous and full of talented, hard-working individuals. “Beauty salon” is an umbrella term for establishments that deal with hair, skin, nails, makeup and much more. Each establishment has its own unique risk factors due to equipment or the general environment. For example, hair salons have many hot tools and chemicals that are used daily. Skincare salons deal a fair bit with hot wax and salon-grade skincare chemicals. Regardless of which beauty practice you belong to, look into insurance to keep you and your customers safe each day.

What Type Of Insurance Is Needed As A Beauty Salon?

General Liability Insurance

With the number of hazards in any salon, preparing for possible injury is proactive. If a client slips and falls in your salon, you could be liable for their medical bills and/or lawsuit settlement fees. If you have general liability insurance, these financial costs may be covered. General liability insurance covers accidents that take place on your property or inside your establishment. General liability insurance covers claims made by employees or customers, which is fairly basic insurance that should cover most physical accidents.

Product Liability Insurance

The next type of insurance is product liability insurance. Product liability insurance is coverage for claims that a product you sold resulted in bodily harm. Product liability also extends to in-salon treatments that did not go as expected and once again, resulted in bodily harm. This type of insurance is different from general liability because product liability claims stem from manufacturing issues, along with lack of safety warnings.

Commercial Property Insurance

To protect your brick and mortar location from fire, wind and weather (amongst other variables,) purchase commercial property insurance. This type of insurance protects the building, the belongings inside and the financial loss associated with resulting damages.

Special Considerations

Consider purchasing professional liability (or Beautician Malpractice) insurance as well if you are offering advice to clients or using potentially harmful tools (i.e. nail salons). Professional liability insurance coverage could save you from paying legal fees associated with negligence, malpractice, bad advice or failure to deliver on services promised.

If you accept payment online or use a website to book appointments, you should also consider getting cyber insurance for your business. In the event of a cyber-attack or data breach, you can protect your clients’ payment history and information with the proper cyber insurance policy in place.

In an industry as high-risk as the beauty industry, it is not a choice whether you need insurance – the question is: from who? At isure, we’ll help you select an insurance plan that works for you at the right price. Let our team take care of you while you look after your clients!

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