What Type of Insurance Do Hairdressers Need?
What You Need to Know about Beauty Insurance
As a hairdresser, you might think the bulk of your concern lies with your clients’ satisfaction with your services. And, to some degree, that’s true.
Without your clients, your business wouldn’t exist, so it’s fair that you’re primarily focused on your customers’ experiences.
But what if we told you there’s something far more important to your success as a hairdresser than your clients’ experiences?
What if we told you that success only goes so far when you’re an uninsured hairdresser who happens to find yourself in an unlikely, unpredictable, or unfavorable liability predicament?
This is why beauty insurance is such a big deal for your career. In fact, we like to think it’s the most important investment you can make for your career. But why do we think this? And more importantly, why should you think this?
This blog is going to dive into some of the key things you need to know about beauty insurance, as well as what types of beauty insurance hairdressers like you need to have.
What is Beauty Insurance?
First things first, what is beauty insurance anyway?
Beauty insurance, often called beauty liability insurance or hairdresser liability insurance, is a type of insurance that cosmetologists often invest in to prevent or mitigate risk.
Think about it like your health insurance. You pay your premium every month, and in most cases, you won’t need it––but if you ever did, it’s there and ready to help you get through whatever it is that you need.
Beauty insurance is the same idea, but for your career. As a hairdresser, you take on inherent risk just by working with people. You are, when you’re offering your services or inviting people into your shop, assuming certain liability for their wellbeing.
Beauty insurance is essentially a safety net that has your back should something allegedly or accidentally happen. Whether a client trips on a rug in your salon or says you accidentally clipped their ears with your shears–your insurance should help you deal with any legal or financial issues that might arise from these accusations.
Types of Beauty Insurance Hairdressers Need
Of course, there’s not just one kind of beauty insurance. Though there are several different types of beauty insurance you should know about; we primarily believe that focusing on the main three is key to your success:
- General Liability Insurance
- Professional Liability Insurance
- Product Liability Insurance
What’s the difference between these three types of insurance? We’re about to dive right in.
General Liability Insurance
This type of insurance is often called slip ‘n’ fall insurance. Why? Because it covers stuff like slips, falls, trips, and general damage that might happen as a result of being on your property.
Unlike other types of insurance–we’ll get there–this covers stuff that isn’t directly associated with the services you offer.
So, if a client hurts themselves on a rusty nail you didn’t see or trips over a bunched-up rug, or says they incurred some sort of damage or negligence at your establishment, these would be covered under general liability insurance.
Professional Liability Insurance
General liability insurance is all about the general area and well-being of your customers while they’re in your shop. Professional liability insurance covers the risk surrounding your services and offerings.
So, all professional liability insurance will cover is the liability that pertains to your professional services.
That makes sense, right? If someone comes in with a claim for alleged, accidental, or actual negligence or damage that took place during your professional services, this is the liability insurance that would have your back.
Product Liability Insurance
Product liability insurance is probably the most straightforward liability insurance. It, as its name suggests, takes care of liability that goes hand-in-hand with the products you use for your clients.
Let’s be honest; you can’t predict every product reaction your client might have–but you can invest in insurance that has your back in case something unfortunate does happen.
So, after reading this blog, what do you think? Does beauty insurance sound like a good investment for your hairdresser career?
We think so–but it what really matters is what you think!
If you’re on the hunt for the right hairdresser insurance, be sure to check in with Elite Beauty Society. We cover over 350 different services–and that number is growing every day to keep up with the beauty industry’s trends.
Want more insight on liability insurance? Seeking regular updates on the latest and greatest in the beauty biz? Hoping to invest in more ways to expand your career? We’ve got your back.
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