Get the Beauty Industry Insurance Cover for You and Your Business
These five types of business insurance covers are meant to help you have some peace of mind as you take care of your clients. This is what we offer as insurance for beauty therapists, hair specialists, and other professionals in the industry.
Public Liability Insurance
A client could slip and get injured on the floor. Hot wax could hurt your customer during waxing. Besides, your hairdresser may accidentally burn a customer’s hair during the blow-dry. In another scenario, they can give your customer the wrong haircut by mistake. This is where public liability cover comes in, protecting you and your business against such claims from members of the public and customers.
Product Liability Insurance
If your business involves supplying clients with products used in the hair beauty or beauty industry in general, then having a product liability package is a matter of priority. The cover can protect you against claims that the products sold caused direct or indirect harm to the users.
General Property Cover
If you are a salon owner or if you work as a beauty therapist or a mobile beautician, you have the equipment and other expensive property within your business. You can secure your property using this cover because it comes in handy in the event of an eventuality, such as fire or theft.
This particular insurance product comes in handy in case a client makes a claim that your advice or a particular service you provided caused injury. For example, you recommended a specific routine which later on proved to be incorrect that it ended up causing harm to your client’s skin. Another scenario is poor service such as when you bruise a customer during a pedicure or manicure which later becomes an infection.
The professional indemnity cover protects you against such claims from customers, caters to legal fees and damages.
This policy can cover losses that are likely to occur if your business is forced to close. For example, if you have to attend court cases for several days in a month, you’ll have to forego lots of income. You can also close the business if there’s damage to property or theft.