Who Needs Business Insurance for Beauty Industry?
The Beauty Sector provides a range of treatments and therapeutic services carried out to enhance physical appearance and well-being. This industry is considered a priority due to the potential effects upon public and consumer safety, rather than high or severe rates of worker injury and ill health.
Necessary Insurance for Beauty Professionals:
Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is insurance coverage for claims against businesses that provide professional and personal services – for businesses like yours. It covers your:
- Lost wages: A hairdresser messes up a client’s hair causing them to miss work. The client sues for lost wages and the incremental cost of having their hair done by someone else. Professional liability insurance could protect you if such a claim is made.
- Treatment gone wrong: An esthetician applies a chemical peel for a client. This client just returned from a vacation where she was in the sun all day. The client’s skin looked fine before the vacation but the extreme sun exposure on sensitive skin caused painful, ugly burns. The client decides to blame the esthetician and sues. Professional liability insurance could protect you if such a claim is made.
Commercial General Liability (CGL), could protect your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property.
- Beauty Salons
- Hair Salons and Spas
- Nail Technicians
- Barber Shops
- Esthetician Cabinets
- Massage Parlors
- Tattoo/Permanent Make up
We specialize in businesses like yours and tailor coverage to the risks specific to your business.
Secure your Life’s Hard Work
…with a commercial insurance brokerage provider who understands and will advocate for your needs. Ready to get started? Do not hesitate to send us your questions here for your inquiries about our company and brokerage services. You may also speak with our insurance consultant here for an expert take on the commercial insurance you need.