Don’t you just love that feeling when you reveal your client’s finished look and their whole face lights up? That’s what your everyday work is all about. You’re dedicated to helping others feel their best.
But that can all be halted in a single moment of misfortune. That’s why carrying hairstylist insurance should be your highest priority as a beauty professional. In this blog, we explain the top benefits of having hairstylist insurance so you can understand why you need it and how to get it.
1. The Financial Protection You Need
You’ve worked hard and invested money in yourself to become a hairstylist. But a single accident or dissatisfied client could set your financials back in the thousands. Hairstylist insurance is designed to protect you from costly claims that can devastate your business.
So, what kind of coverage should you look for? A comprehensive hairstylist insurance policy like ours at Beauty and Bodywork Insurance (BBI) will keep your bank account safe with the following coverage:
General Liability Coverage
General liability coverage is for those “oh no!” and “uh oh!” moments that may happen due to your business operations. Think of these as accidents that hurt your clients or damage their property while they’re on your premises.
Here are some examples of claims general liability coverage could help with:
- A client slips on a puddle of water at the shampoo station and sprains their wrist
- An aerosol can of hairspray explodes and causes an abrasion on your client’s face
- A curling iron burns a hole through a client’s leather purse
Professional Liability Coverage
Professional liability coverage protects you when a client claims you’ve made a mistake or haven’t done your job properly. Essentially, this coverage is a shield for your professional services—it’s in the name!
These are some examples of claims professional liability coverage could help with:
- A client suffers a burn from a bleach solution and blames your recommendation for their injury
- A client notices hair loss after you install a set of hair extensions and claims you were careless in your service
- A client says that the haircut you provided caused them emotional distress and loss of income
Products and Completed Operations Coverage
Products and completed operations coverage is for client claims of bodily injury or property damage that arise after a product is used or a service has been completed. Think of this as protection if something goes wrong after your client leaves your business.
To put this in simpler terms, here are some examples this coverage can help with:
- You apply rosemary oil to a client’s scalp and they experience an allergic reaction the next day
- You dye your client’s hair a vibrant pink hue and the color stains their white car seats
- You create an elaborate updo for a client using U-pins, one of which pierces through their skin later in the evening
Personal and Advertising Injury Coverage
If you’re ever accused of libel, copyright infringement, or false advertising, personal and advertising injury coverage is what stands between you and expensive legal fees. Feel confident as you build your brand online and in person, knowing you’re protected from these non-physical claims.
Personal and advertising injury coverage can help with claims like these:
- You unknowingly say something untrue about a competitor and they decide to sue
- You create a new logo for your business but a competitor claims you’ve stolen their design
- You post a promo online but forget to include stipulations and a client decides to take legal action
All of these coverages combined shield you from expensive medical bills, legal fees, and more.
2. Extra Coverage Customized for You
Another benefit of carrying great hairstylist insurance is the ability to customize your coverage to suit your business needs just right. With BBI, you can add coverage for your tools and supplies (also known as inland marine)—for example, in case your hot tools get stolen or damaged.
You can also add cyber liability insurance, which helps cover you from claims if hackers steal sensitive client data or personal information.
Clients often come to you knowing exactly what they want, and you tailor your services to meet their expectations. We take the same approach with our hairstylist policy. Get precisely the coverage you want with optional add-ons.
3. The Peace of Mind to Work Confidently
You can’t deliver bouncy blowouts or delicately blended balayage looks if your thoughts are consumed with all the risks you face as a hairstylist. Your clients deserve your very best, and by carrying the proper insurance, you’ll be able to give them just that.
With the safety net of a BBI policy, you get invaluable peace of mind so that you can focus on your craft—and not on all the stressful “what ifs.”
4. An Insurance Badge That Shows You Care
Once you’re insured, make it online-official! When you purchase a policy through BBI, you have access to our online insurance badge, which boosts your credibility. Displaying a BBI insurance badge on your website lets clients know they can let their hair down, literally. You’re serious about the work you do.
Having a reputable company backing your business instills confidence and demonstrates that you’re a trustworthy hairstylist committed to client safety.
5. An Easy, Affordable Safety Net
This may not have been something you learned at beauty school, but hairstylist insurance doesn’t have to break the bank. In fact, BBI offers comprehensive coverage for your profession starting at just $9.99 a month. Think about it: for less than the cost of a bottle of shampoo a month, you could be covered from a slew of everyday risks.
Purchasing your perfect policy is easier than ever. At BBI, you’re able to buy online in minutes and get access to your policy and certificate through your dashboard, 24/7.
Less expensive than some of your monthly supplies and easier than fixing an at-home bleach job—hairstylist insurance is something you can’t afford to skip.
6. Customer Service That Won’t Leave You Hanging
When things get rough, you won’t have to face it all alone if you have insurance. If you ever have to file a claim or have questions about your coverage, you’ll likely want to speak to a real person to get answers. At BBI, our customer service team is on standby to help.
With a 95% customer satisfaction score, our team of licensed insurance agents will be there for you when you need them.
