Insurance for Hair Stylists & Barbers
Our insurance for hair stylists & barbers is designed for independent stylists or barbers without their own salon. Whether you rent a chair, subcontract or work from home – customize a competitive insurance policy to protect your small business.
- Professional Liability – Included
- Commercial General Liability – Included
- Contents & Equipment – Optional
- Legal Advice Phone Line – Included
- Privacy & Security Breach Service – Included
These policies are designed to be more economical due to less personnel handling being required. In the application, please type your information carefully.
Once a policy is purchased online, any changes needed will result in extra administration charges for processing.
Insurance Package Coverage Amounts / Limit Options:
Of the included coverages, choose which limits are right for your business. Add optional contents coverage as needed.
Limit/Coverage Amount– the highest amount the insurer will pay in the case of a claim.
Premium – the starting amount you would pay to cover your risk.
Insurance for Hair Stylists & Barbers Coverages
Professional Liability – Included
Professional liability will cover the losses associated with allegations or even a lawsuit arising from the following potential situations:
- You accidentally burn, cut, or injure a client
- An expired hair dye burns a client
- You forget to properly clean a hairbrush and lice is passed on to a customer
- You accidentally damage a client’s hair on their big day
Any treatment or decision can be a target for an allegation of negligence. No matter how many years of experience you may have – mistakes can happen! Protect your career and business.
Commercial General Liability – Included
General Liability coverage protects against accidental injury to others, property damage to others, and damage to space you lease.
Consider the following scenarios in which general liability would cover the costs:
- A client slips on hair or water on the floor and breaks a bone
- A client slips on ice and falls while walking towards your home salon.
- A dye or perm solution damages a client’s belongings
Contents & Equipment – Optional
This coverage serves to protect your belongings from damage by providing funds to fix or replace them. Damage can occur from unexpected forces, fire or flood, or it can be caused by theft for example. Contents coverage helps you fix or replace the damaged property. Whether you rent a space or have a home salon, and a fire occurs destroying all your inventory and equipment, contents coverage will help with the costs associated with the loss.
Legal Advice Phone Line – Included
This service allows you to get unlimited legal advice from a lawyer in a wide variety of areas for ongoing issues that affect business owners. Getting proactive legal advice is recommended whenever you have any legal concerns, big or small, to minimize the risk of more complicated problems in the future.
Thinking of hiring (or firing) an employee? What should be in your employment contract, should your customer intake form have a waiver? Does the waiver you found on the internet do the job? There was a trip down the stairs at the salon – what info should you collect?
Many legal issues can crop up for business owners throughout the year. As an independent hairstylist or barber, it’s important to be able to work confidently and this service helps accomplish that for you.
Privacy & Security Breach Service – Included
Did you know that home-based businesses are a target of hackers during the pandemic simply because we generally do not have the same security measures at home? Not only that, but a lot of us are in front of our computer even more than usual, making those email phishing efforts more successful.
If you collect any sensitive information from your customers such as credit card numbers, or personally identifiable information, this additional coverage is recommended. In the case that your customers’ payment records are stolen, or paper files lost, you will have access to specialists to assist with developing a breach response strategy and incident management plan.
Services include the following:
Help determine whether a breach has occurred and assess the severity of the incident
Documentation of steps taken and remediation services provided
Time-saving professional service in handling a breach
Media Relations Consulting
Public relations assistance to help restore or proactively maintain your business’ reputation
All insurance coverage described is intended to be general in nature and subject to the applicable insurer’s specific policy wording, terms, conditions and exclusions.