Get the Right Beauty Industry Insurance Cover for You and Your Business
There are five types of business insurance covers under beauty. These 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 can mistakenly burn a customer’s hair during the blow-dry. In another scenario, they can give your customer the wrong haircut by mistake. Well, that’s 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 work as a beauty therapist or a mobile beautician, you definitely 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 a product you used on them was harmful. For example, you may recommend a specific product to a client. However, the product ends up reacting with their skin. Another scenario of risk is in the event, you bruise a customer during 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 covers any losses 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.