Insurance for Salons
Clientele and treatment mishaps
On of your regular customers comes to the hairdresser for her regular hair tint, and she comes out looking gorgeous time after time. Then, one day a hairdressing apprentice while applying her root tint, her hand slips and your customer’s brand new expensive dress is covered with icky sticky tint! True, she do have a cape on as protection, but it is not enough to prevent the tint seeping through it and on to her clothing. Simply furious, she decides to sue.
Fortunately, for you and the apprentice concerned, you have taken out salon insurance for such an event, so you can replace the dress and the salon does not have an expensive account to pay.
Then there is someone else, who goes to a beauty salon every two months, for waxing, together with a facial that includes eyelash and eyebrow tinting. She thoroughly enjoys the pampering and fuss, suddenly; she has her eyelashes and eyebrows singed. Of course, this is a mistake, but she considers it an infringement of her person, and sues. There again, insurance comes to the beauty salons rescue.
The importance of public liability insurance for salons
Accidents can and do occur, and hairdressing and beauty salons in particular have to protect themselves against any litigation, by taking out adequate insurance for the business and for their staff. This insurance must cover legal liability for injury to a third party or any damage to their property arising from work at your premises.
Furthermore, the salon owner needs salon insurance that covers content, for all the equipment that they use as part of the business. Many salons have large glass windows, should this be smashed for any reason, replacing it yourself is an expensive exercise. It is usually an inclusion in the lease that you are responsible for replacing any broken glass. This is another reason why insurance is a necessity.
It is a law that employers have insurance for anybody working for them against liability claims. There are heavy fines if employers found to be without it. With both beauty and hair salons the insurance covers liability.
If you are a beauty salon owner, make sure you have the right types of salon insurance by visiting Specialistrisks.