Top Tips When Purchasing Hairstylist Liability Insurance
Know What You’ll Pay
Hairstylists know their way around a great style to go with any occasion. They are masters of the shears, curling iron, blow dryer, and all the hair care products needed to make clients look and feel beautiful. But perhaps more importantly for career success is protection from day one in the form of hair stylist liability insurance.
We’ll cover what it is and our pros' top tips for making sure you get a solid policy that protects your career on all sides so you can practice what you love with absolute confidence.
The number one tip everyone can agree on is that price factors into pretty much every purchase we make and insurance is no different. However, if you’re looking at different options then you know that it can be a downright hassle trying to figure out exactly how much a plan costs. Most sites have you fill out a super long questionnaire just to get a quote so the price can fluctuate based on the information you provide. Your location, what services you provide, even how long you have been a hair stylist can all play into how much you pay.
Doing hair stylist liability insurance like this makes it truly difficult to run a cost comparison between plans. That’s why Elite Beauty Society puts our affordable rates front and center alongside the policy highlights. We know that hair stylists have so many other things to accomplish in their days which is why we make it so easy to know what you’ll pay without ever having to fill out a thing.
At present, you can secure a one-year professional liability insurance policy for hairstylists for just $169 per year. Save money and go with a two-year policy at $139 per year ($279.95 up front). We even have options for students at a super discounted rate of just $49 for an entire year of professional-level coverage.
Understanding What Hairstylist Insurance Covers
Price aside, you really need to understand what you’re getting for what you’re investing with a program. Insurance is a vital protection you’re putting in place to make sure your career is covered from the “what-ifs” of a potential claim event coming your way. You can be the very best hair stylist in town with a long waiting list of clients and many years of experience and still have an accident occur that’s completely out of your control.
That’s why the low cost of all-inclusive liability insurance from Elite Beauty Society is such a solid choice for career-minded professionals. It’s a low cost way to ensure longevity in the field and practice with confidence knowing Elite Beauty Society has your back every step your career takes.
Hair stylist insurance plans certainly differ in the types and amounts of coverage they provide. You really want to see the following in a plan that’s going to provide adequate protection for today’s beauty professionals:
- General liability insurance: you have probably heard of “slip and fall” insurance which is a popular nickname for general liability coverage. That’s because this is an accident that unfortunately is quite common. Just a bit of pooled water or spilled hair care product on your floor could be all it takes for a client to slip and severely injure themselves in a fall. For accidents like these and others around your place of business, general liability coverage from EBS provides up to $2 million per occurrence and a $3 million individual annual aggregate to ensure our members have excellent levels of protection from common risks.
- Professional liability insurance: “malpractice insurance” or “errors and omissions insurance” or two other names you have probably heard for professional liability coverage. This important insurance protects you from third party injuries or property damage that occur from the client services you provided. A slip of the wrist with a hot curling iron that burns a client or a mistake with mixing chemicals for a hair treatment that results in an injury are easy-to-imagine scenarios that could lead to a professional liability event. That’s why we include the same $2 million per occurrence and a $3 million individual annual aggregate for professional liability coverage.
- Product liability insurance: something you might not think about is bad reactions a client could have. Unfortunately, when you’re in charge of what products are being used, you could be held liable for a bad allergic reaction a client has. In hair styling, you use so many different products every day. All it can take is one bad reaction and you could be hit with a lawsuit from the client demanding compensation for all their medical bills. That’s why EBS provides all the way up to a $2 million limit in product liability coverage for hairdressers.
- Identity theft protection: these days, everyone is online for everything. You may be emailing appointment reminders, doing social media updates, invoicing and accepting payments, and so many other things online. Unfortunately, more online activity simply means more chances of a cyber criminal accessing your personal data. With EBS, if you have an identity breach, you’ll get the dedicated services of identity restoration services—all the way up to $25,000 to help make things right.
With the above six protections in place, hair stylists in the business of modern beauty can create a concrete safeguard around their career at all times. At around $14 a month, all-inclusive insurance really can be inclusive within the industry and available for all to get best-in-class protection at a great rate.
Look at the Member Benefits Section
Something that can add so much tangible value to your insurance policy from the very start is member benefits and yet this can be one of the skimpiest aspects to some plans. We went a different way and included a whopping $500+ member benefits plan with every policy. You’ll get a free website, entire libraries of curated content to make your business better, discounts, deals, and early access offers, and so much more! All of this helps boost the value for the investment so make sure to check out member benefits of each plan you’re comparing.
Getting Instant Insurance Coverage
Instant coverage with immediate access to plan docs—sounds so simple and yet it can be quite elusive in insurance. Elite Beauty Society streamlined our application and our platform so that our members could gain coverage in minutes and have complete access to everything the plan provides.
You could be on your way to a hair stylist expo and secure insurance from your phone and show a COI in just a few minutes’ time. We believe that’s how modern insurance needs to be to truly be accessible to all.
How a Policy is Set Up Makes a Difference
A really important provision with liability insurance for hair stylists that you need to know is called occurrence form. This is the industry preferred way to set up a policy because it can mean the difference between full coverage and none at all all based on timing.
Here’s an example: you have a policy that runs the calendar year - January 1st to December 31st. In the final weeks of December, you do your last session with a client and then close for the holidays. In January, you get a demand letter because the client says they left with an injury. Occurrence form policies say it's okay that the policy has expired, you can still file a claim since the event occurred back when the policy was active. This can be truly crucial so make sure you see this provision on any policy you’re comparing.
Insurance in Minutes with a Quick and Easy Application
Accessibility really is everything in hair stylist insurance. With no long questionnaire and knowing what you get and how much it costs up front, EBS makes liability insurance more accessible than ever. Learn more about the plan and sign up in under five minutes.
Nationwide Hairstylist Liability Insurance Coverage
At Elite Beauty Society, we offer hairstylist liability insurance across all 50 states. Whether you're based in bustling California or rural Maine, you can trust that our coverage meets your state's requirements and protects you from unforeseen claims. With EBS, you get peace of mind knowing that no matter where you practice, your business and professional reputation are protected with liability insurance coverage for hairstylists. Select your state below to find the best coverage options for you.