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We provide the insurance, including hair salons, spas, barber shops, and nail salons
Hair salons or beauty salons need commercial insurance to protect them from loss. There are several risks in owning a hair salon that are unique to the industry. Most insurance carriers we work with provide insurance for beauty salons, including hair salons, spas, barber shops, and nail salons.
Protect Your Salons Today
Property insurance covers the building and its contents and provides coverage for loss of income should the building become uninhabitable, experience mechanical failure, or have other potential issues. Commercial insurance for beauty salons typically covers employee theft from the cash register or a bookkeeper pocketing revenues.
Liability insurance covers slip and falls. You know your business–potential water on the floor from shampoos and hair on the floor can be slippery. You need to be protected if a customer or employee falls causing injury while in your salon.
Hair salons also need professional liability insurance. Why? Professional liability covers any damages incurred from someone making a claim due to the service you provided. For example, if you burned a customer’s scalp by improperly mixing chemicals or your scissors slipped during a haircut, causing a nick or embarrassing style. Professional liability insurance for beauty salons would cover you from these types of risks.
Workers’ compensation insurance covers injuries to the employees while they are performing their duties. If an employee gets injured on the job like cutting themselves with their scissors or burning themselves on a chemical, your business will be covered.
The cost of insurance will depend on a variety of factors including how much coverage you want, whether your business is in New Jersey or another state, number of employees, credit history, and more.
Rest assured, InsureYourCompany can get you the most competitive rates and provide more customer service than the average insurance broker.
Professional liability insurance, also known as errors and omissions insurance, is crucial for beauty and hair salons due to the specialized services provided:
Coverage for Service Errors: Protects against claims arising from mistakes or negligence during salon services, such as chemical treatments, haircuts, or styling.
Legal Defense Costs: Covers legal fees and settlements if a client alleges injury or dissatisfaction due to the salon’s professional services.
Peace of Mind: Ensures financial protection and maintains the salon’s reputation in case of unexpected incidents or lawsuits related to service quality.
Workers’ compensation insurance is essential for protecting salon employees and complying with legal requirements:
Injury Coverage: Provides financial support for employees who suffer work-related injuries or illnesses, such as cuts, burns, or repetitive strain injuries.
Medical Expenses: Covers medical treatments, rehabilitation, and lost wages for injured employees, ensuring they receive necessary care without financial burden to the salon.
Legal Compliance: Helps beauty salons adhere to state regulations regarding employee safety and compensation, fostering a secure and supportive work environment.
Commercial property insurance safeguards the physical assets and operational continuity of beauty and hair salons:
Property Protection: Covers the salon building, equipment, furniture, and inventory against damage or loss due to fire, theft, vandalism, or natural disasters.
Business Interruption Coverage: Compensates for lost income if the salon is temporarily closed due to covered property damage, ensuring financial stability during recovery periods.
Customizable Coverage: Offers flexibility to tailor insurance policies based on specific salon needs and risks, providing comprehensive protection against unforeseen events that could disrupt business operations.
We believe in supporting our clients through every step of the insurance process. From choosing the right coverage to filing a claim, we are here to offer guidance and support. Request a free quote today and get coverage that meets your unique needs.
