A Routine Hair Treatment Gone Wrong: Why Hairstylist Insurance Matters
Did you know that the employment rates of barbers, hairstylists, and cosmetologists is projected to grow 13% from 2016 to 2026? From routine haircuts to clients wanting to entirely change the look of their hair, people everywhere turn to hairstylists for their expertise.
Now, picture a $1.5 million dollar lawsuit, due to a client’s hair treatment going terribly wrong. Antonio Luis Rosa was caught in the middle of this hairy situation. Protecting your livelihood from being washed down the proverbial drain, with hairstylist insurance is a smart move and here’s why.
A Routine Hair Treatment Gone Wrong
Myrella Ikeda, an aspiring model, scheduled a hair appointment with her hairstylist for a routine conditioning treatment prior to her magazine photo shoot. The hairstylist applied a conditioning product that was supposed to hydrate the client’s hair and scalp. Ikeda began to feel a burning sensation on her scalp 30 minutes after the product was applied. Despite the aspiring model’s complaints, the stylist claimed that the sensation was normal and continued the treatment. Unfortunately, clumps of her hair started to fall out while other parts burned. The culprit? Hair bleach. Ikeda sued for $1.5 million dollars in damages.
Why Hairstylist Insurance From BBI is Cheaper Than a Lawsuit
We offer affordable hairstylist insurance coverage at $96/year that won’t break the bank. Our insurance coverage process is done completely online and you can access your documents immediately after purchase. You can rest assured you have the proper coverage to cover claims you may deal with, such as general and professional liability.
A general liability insurance policy covers you in the event that a third party sues you for bodily injury, damage to property, and advertising injury. The policy typically covers legal fees and costs associated with settlements while a professional liability insurance policy covers lawsuits hairstylists may face, such as mistakes while performing your work or negligent services.
You may never find yourself inside a courtroom, but don’t count yourself immune. Insurance for hairstylists is essential whether you are a freelance, independent hair stylist, or a salon hair stylist. In the field, you work very closely with people and use hairstylist products that may be harmful if not used properly. With hairstylist insurance, you have the peace of mind knowing that your business is protected from the financial strain a lawsuit and third-party claims can bring. Don’t let a claim ruin your career.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.