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Having Insurance When You Work for Yourself


A little explanation might be in order. When we say you will have to work for yourself, that doesn’t mean you will have to go out and rent a building or create an incorporated business. It means that you will likely be renting a booth in a salon or other establishment.

In the majority of cases you can’t expect the establishment where you work to provide insurance for you unless you are one of their employees. As a booth renter, you generally do not qualify as an employee, which means you are considered an independent contractor or sole-proprietor.

As an independent contractor, you are responsible for taking care of many facets of the business world, including marketing, taxes, budgeting, and many other crucial aspects for yourself. One of the most important – and often overlooked – of these is having general and professional liability coverage for yourself and your business.

Having insurance for hair stylists renting a booth means you are protected for many different circumstances that could happen in your professional work. Think of it this way: You probably wouldn’t drive your car around without some sort of liability coverage because if you caused an accident, you could be responsible to pay thousands of dollars. The same goes with your business.

What you don’t want to do is skip the booth renting insurance because you don’t think you will need it. You never know what can go wrong in your career, and the financial risks are too great to leave to chance.

The good news is that finding the right type of coverage isn’t difficult, and you might be delighted to hear that buying a policy isn’t nearly as expensive as you might think. And having this coverage can give you peace of mind as you go about your career.

Want to share how having insurance has helped you? Want to elaborate on how insurance brings peace of mind? Please comment below.

Professional Liability Policy

This policy is for professionals who work in the Beauty and Bodywork Industry.



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