Professional Hairstylist Liability Insurance

As a hairstylist, you will want to ensure that you are securely covered in the event of a lawsuit. To begin, you will want to have the following coverages at the very least:

• Professional liability coverage: This coverage will help protect against catastrophic loss due to a professional liability lawsuit. In many states, you are required to have professional liability insurance to become a licensed hairstylist.

• General liability coverage: This coverage is for accidents that are not related to your profession. General liability coverage is often called slip-and-fall insurance as these are typical examples of a general liability claim. 

• Product liability coverage: As a hairstylist, you will use several products with every client. You will want to ensure that you have protection if a client has a bad reaction to one of the products you use. 

While liability lawsuits used to be a last resort, they have become more frequent in the previous several years. The truth is, it is more likely that you will face a liability lawsuit over the course of your career as a hairstylist. In addition to general accidents, you may make a mistake that leads to a client’s physical injury. If that happens, they may have grounds to sue you for their pain and suffering. 

Professional hairstylist insurance helps protect your financial resources if someone sues you for a liability claim. If a client sues you for the cost of their medical bills, lawyer fees, or time away from work due to recovery, the bills could stack up quickly. However, if you have hairstylist insurance, you could keep your financial resources secure, while simultaneously enjoying a host of insurance member benefits and discounts. 

Professional liabilities are the inherent risks that are associated with your profession. These are specific to your work as a hairstylist and unique to hair and beauty professions. Some examples of professional liability claims include burns, cuts, scratches, etc. 

General liabilities are those that are not directly related to your profession. These are accidents that could occur in any occupation or field. Think about general liabilities such as accidents like slips and falls. These could be due to a problem with your facility, left-out equipment, or a slippery floor. While slips, trips, and falls are not the only types of general liabilities, they are among the most common. 

General liability insurance for hair professionals is a key part of their insurance coverage because accidents can happen to anyone. If a client slips and injures themselves on a puddle that wasn’t cleaned up, it could mean that you are held liable for their injuries. General liability coverage protects you from situations where you may face a lawsuit.

We know that your budget is important to you. That’s why we promise to keep our rates for professional hairstylist insurance competitive. We offer a few options for our insurance plan to help meet different budget needs. 

• Full-time professionals: for full-timers, we have a one-year option for $179 and a discounted two-year option for $299.
• Part-time hairstylists: For those who only work part-time, we offer one year of coverage for $135.
• Students: For the next generation of hair professionals, we offer one year of coverage for just $49. That way, you can still get the same great coverage while you learn and hone your hairstyling skills. 

An annual aggregate is a maximum that an insurance plan will cover for the entire year. This is different from the per-occurrence maximum amount. The annual aggregate is typically a higher amount that allows for more than a single claim to be covered within a 12-month period. While you may have coverage for a large sum, the per-occurrence maximum is lower than the total coverage. 

For example, the annual aggregate for professional and general liability is $3 million per year. However, each claim or occurrence is eligible for up to $2 million in coverage. This allows your coverage to handle the possibility of multiple claims throughout the year, all the way up to a $3 million cap

In short, absolutely. If you work as a part-time hairstylist, you are still responsible for your clients while they are under your care. Even though you may not work as many hours as a full-time hairstylist, you could still be held liable if you cause a client harm or injure themselves while seeing them. 

If you work as a hairstylist in any capacity, it’s important to have protection and insurance to cover yourself. Elite Beauty Society offers a plan just for part-time beauticians for this very reason. It still includes professional, general, and product liability coverage, but at a discounted rate. We make it easy to get the protection you need to keep yourself covered.

Elite Beauty Society’s hairstylist insurance plan is a fully comprehensive policy. While other insurance companies will make you choose your coverage, the whole enchilada is included in our policy. With each of the options for plans, you will receive: 

• Professional and general liability coverage: Per occurrence, we’ll cover up to $2 million with an annual aggregate of $3 million.
• Product liability coverage: We’ll cover up to $2 million for product liability claims.
• Personal Injury & Advertising Injury: We cover up to $2 million for personal and advertising injury claims
• Identity theft protection: be protected in cyberspace too with $25,000 in coverage.
• Full suite of profession-specific benefits: enjoy thousands of dollars worth of ready-to-use insurance member benefits and discounts.

Occurrence form insurance is the preferred type of liability insurance because it extends past the policy's life. As opposed to claims-made insurance, which only covers you if a claim is filed during the term of the insurance policy, occurrence form insurance will protect you if a claim is made after the policy expires. If the incident occurs during the coverage term, having occurrence form insurance means you are still eligible for coverage. 

We choose occurrence form coverage because claims made all come down to timing. If you have an incident towards the end of your coverage, but don’t file until after it expires, claims-made coverage will more than likely leave you footing the bill yourself.

Certainly! The best way to get a discount on hairstylist insurance is to purchase the two-year professional plan. At the price of $299, this plan saves you almost $60. By bundling your coverage for two full years, you not only get peace of mind for 24 months, but you get to save some cash as well. Plus, you have the option to pay in a lump sum or in easy monthly payments over the first 12 months of your policy. We’ll always do all that we can to make hair stylist insurance affordable and accessible.

Even though you may still be learning all the skills needed to be a hairstylist, you could still make mistakes. If you cause one of your clients' harm or injure them in some way, you could be held responsible for the cost of their medical expenses or other fees. 

While you are studying to become a hairstylist, Elite Beauty Society offers beauty student insurance plans at a deeply discounted rate. With this plan, you’ll have the coverage you need to protect your career from the start. 

Nope! A good number of hair professionals operate out of multiple salons. While this can be an excellent opportunity to maximize your client base, it can also leave you liable for the facilities you work in. However, you don't need an additional policy to cover the other facilities with hair stylist insurance. When you sign up for coverage from EBS, you can select to add additional businesses to your policy. We even have the option to add unlimited businesses if you have several places where you work on hair. 

There is a small fee for adding an extra business, but you do not have to have a completely separate policy to ensure them. We make it easy to add an extra workplace. So you do not have to worry about coverage, no matter where you go.

Absolutely. When you sign up for coverage from EBS, you are covered for the entire policy term. If you make a move to a new state or job, the insurance will follow you wherever you go. If you are operating out of a new facility, just let our team know through your member login or by calling us. 

Here’s the deal, we like to pamper our policyholders. As a member of EBS, you gain access to the royal treatment of benefits and profession-specific perks. As soon as you purchase hairstylist insurance, you’ll have instant access to all of the following member perks:

• Discounts and deals on industry-related products and services

• Exclusive deals on business services to help you excel

• Access to affordable health insurance plans through the marketplace 

• Resources from experts in the hairstylist industry

• Self-care guides

• Exclusive member discounts on services to improve your daily life

• A professional website to promote your services

In today’s era, you likely use several online platforms to promote or conduct your services. While this gives an incredible opportunity to have a broad reach and attract new clients, it could also attract the wrong attention. If an online identity thief steals your information from social media or your website, it means financial loss or significantly impacts your work. 

By including identity theft protection in your hairstylist insurance policy, we help protect you from online predators. We have identity theft coverage to give you complete peace of mind. EBS can help you get back on your feet if you have your identity stolen. With our insurance policy, you have the assurance that you are well protected.

Adding an addition to your policy shouldn’t break the bank. If you operate out of multiple salons, you will want to ensure that your policy protects individual facilities. Each additional building on your policy will cost only $10 for one-year policies or $15.95 for two-year plans. 

There’s no need to pay individual fees for each salon. We know this can add up quickly and have the perfect solution for our policyholders. If you have several salons or places of business, you may want to add the unlimited additional business package. This plan lets you have coverage for as many facilities as you need for just an additional $30 per year. This option is perfect for hairstylists who travel frequently or have several locations.

Every state is different and will have specific requirements for hairstylists. Knowing what each state requires can be a chore to memorize. Fortunately, EBS has you covered. We offer a vast library of resources to our members. We keep our list of state requirements as up-to-date as possible. You can rely on us to have the inside scoop on each state and the obligations of beauty workers, but always check your state authority if you have questions. 

If you are moving to a new state, no stress, we have a list of the requirements for hairstylists. Our expansive resource library is just one way we care for beauty professionals.