Salon, Stylists & Spas
Insurance Program

Your industry keeps society looking and feeling their best.  The services provided by the Beauty industry enable men, women and children alike to live their best lives.

The main objective of our program is to ensure that clients are properly protected while providing the most competitive pricing in the industry.

The three main Salon Insurance Policies necessary to properly protect your business from risk.

  • Salon liability insurance: This provides financial protection if a customer claims bodily injury or property damage occurred in your salon and decides to sue. For example, if one of your clients slips and falls by a sink, Salon general liability would pay medical expenses, any judgment or settlement amount you owe, and your legal defense.
  • Property insurance: This covers damage to the building that houses your salon, whether you lease or own it. Business Personal Property insurance covers property you keep inside the walls of your salon, like computers, counters, chairs, tanning beds, styling equipment, and your product inventory.

    **Salon Property Insurance typically does NOT include plate glass walls (windows). If your Salon storefront includes a large amount of glass, you should consider plate glass coverage for a small increase in your premium.

  • Workers compensation insurance: If you have employees, you need workers compensation coverage to protect against financial loss from on-the-job injuries and illnesses. This coverage helps the employee by paying medical bills, a portion of lost income, and rehabilitation expenses. And, it also protects you from lawsuits — state laws prohibit employees from suing their employer for their workplace injury if they have workers compensation insurance in place.

Common Salon Insurance Issues:

There are several additional considerations salon owners should consider adding, depending on the nature of their business and the services offered.

  • Hiring of Subcontractors such as Hair Stylists, manicurists, or massage therapists as independent contractors:
    • Unintended Risks: Any Professional service provider that rents rent space in your salon may not be covered by your general liability policy.  Should a service they provide if they cause bodily injury or property damage to one of your clients. Stylists can face lawsuits over something as small as a bad haircut, and these suits can be just as financially destructive as a bodily injury claim, like a chemical burn or an allergic reaction.
    • Solution To Consider: Consider requiring all of your beauty contractors to carry professional liability insurance. This will provide financial protection for both the contractor and, consequently, the salon, to help against litigation over accidents from your services.

 

  • Retail Sales of Beauty Products such as shampoos, oils, soaps, massagers, etc.
    • Unintended Risks If there’s a problem with a product you sell, like a manufacturing flaw or a chemical imbalance in a hair care product, you could be partially liable for any illness or injury your customer suffers. A faulty product suit can affect all parts of the distribution network, from the manufacturer all the way down to the seller.
    • Solution To Consider: Product liability provides financial protection for your salon if one of your products causes injury to your customers.

If you are a Stylist or Independent Contractor in the Personal Services Industry, we’ve got you covered.

Contact T. Hudson Risk Advisors for an individual Personal Services Independent Contractor Insurance Policy.  Protect yourself in situations where your salon doesn’t.