From beauticians and nail technicians, to manicurists and pedicurists, every beauty business is different. When it comes to insurance, one size does not fit all.
Many of the tools that are used today by hair and beauty professionals can heat up, cut, or stain. Should mishaps happen or even minor mistakes be made, the consequences can be disastrous. These could range anywhere from allergic reactions and rashes to chemical damage to your customer’s property. You need to have the right beauty salon insurance in place based on what it is that your business does and where it does it from.
Your primary focus is of course on pampering your clients. There are many types of incidents and accidents that can leave you seriously out of pocket should you not have the proper Beauty Salon insurance in place.
Find out what's happening in Southingtonfor free with the latest updates from Patch.
- A client could sustain an allergic reaction after getting their eyebrows threaded and tinted
- The advertising sign outside your salon could blow away and cause damage to a car
- A member of your staff suffers work-related dermatitis due to treatments they’ve been carrying out at work
What type of beauty salons and beauticians can be covered?
There’s a wide range of business insurance products, that can insure an equally wide range of businesses.
Find out what's happening in Southingtonfor free with the latest updates from Patch.
- Beauticians
- Beauty salons
- Beauty therapists
- Cosmetic and makeup artists
- Hair and beauty consultants
- Hair and beauty salons
- Manicurists and pedicurists
- Nail technicians
What beauty treatments are covered?
Beauty Salon insurance can cover the following types of beauty treatments:
- Manicures
- Pedicures
- Eyelash tinting
- Eyebrow shaping and threading
- Facial massages
- Skin cleansing
- Waxing
- Ear piercing
- Makeup
What type of cover should I carry for my beauty business?
Beauty Salon insurance is completely customizable, you simply pick and choose the types of cover that you want – making up an insurance policy that meets the exact needs of your beauty business.
Public Liability Insurance
This provides cover for legal liability for any accidental injury or property damage claims that are made against your beauty business.
Treatment Cover
Beauty business offering treatments such as eyelash tinting and waxing. Treatment cover is something you may wish to consider. It can cover any legal liability for damages or injury caused by physical or cosmetic treatments.
Employer’s Liability insurance
If you have an employee working at your salon, whether they be full or part-time, apprentices or self-employed beauticians who rent a chair, you are legally required to have this cover.
Contents cover
Whether you own or rent your beauty salon, you can obtain cover for your contents just in case they are damaged, lost, or stolen. Without contents cover, should anything bad happen, you will have to pay the cost of replacing them out of your own pocket.
Buildings insurance
Buildings insurance can cover the costs associated with the repairing or rebuilding of your premises in the event of an accidental loss, damage, or destruction.
Business interruption cover
Should your beauty business need to close after an incident at your salon, such as a fire, flood or forced entry, this type of cover will pay for loss of profit along with continuing overhead, including employee’s wages.
Business Equipment cover
This will cover you should you incur theft, loss of, or damage to your equipment and accessories, even if you use them away from your salon. A good example would be those expensive makeup brushes.
Legal expenses cover
Legal expenses cover, will protect your beauty salon business from legal proceedings costs such as breach of contract, and employment or VAT disputes.
