Barber Shop Business Insurance
If you own a barbershop or a hair salon, you might find yourself on the getting end of litigation when an unhappy or disgruntled customer files a complaint against you in court. Such was the case a few years ago when an unhappy client sued a salon for an alleged botched colour job. The girl sued the salon, claiming that her hair was scorched consequently of incorrectly applied dye, and that because of this, she was unable to perform as a burlesque dancer or audition for work.
While the claims in this case seem an impression excessive, they are not unusual. A lawsuit could be filed against you if you use hair for money.
Barbershops cut, trim, and style men's, women's, and children's hair. They also cut, trim, and style beards and moustaches. Aside from styling and grooming aids, there is usually little equipment and no chemical applications. Services may be provided on a walk-in or appointment basis, or both. Barbershops are subject to state registration and restrictions to be able to prevent disease spread. Each barber must be licenced as well. Barbershops may hire barbers or rent space to independent contractors. The status of the barbers must be assessed since it may affect how insurance coverages apply.
Barber hair dresser insurance protects your store or salon from litigation for as little as $37 monthly. Get a quick price and your certificate of insurance right away.
A normal $1,000,000/$2,000,000 General Liability Insurance policy for small barber and hair dressing businesses costs between $37 and $49 monthly, depending on location, size, payroll, sales, and expertise.
Barbers' most frequent small business insurance coverage include general liability and workers' compensation. Other specialised coverages can be found based on their specific operations.
Clients come to you because they want to appear their best, and you work hard to help them do so. However, things do not necessarily go as planned. Even the most meticulous barber or stylist is with the Barber Hair Dresser Insurance capacity of making a mistake, and when this occurs, having barber hair dresser insurance is crucial. Hairdresser insurance or barber insurance can assist protect your business against the financial consequences of the lawsuit or claim made against you, including substantial claims that could force you out of business.
In 2011, there were around 220K barber shops and 210K beauty salons in the United States, each having its own set of risks and some shared dangers. Just one claim can be enough to knock some small companies out of business for good. A big claim could completely deplete the tiny business owner's assets and savings. Your business may be fully insured for a couple of hundred dollars per year for barber hair dresser insurance coverage, and you can rest easy realizing that your financial future is not in the hands of a disgruntled or disappointed customer with an angle to grind.
Clients may request that barbers and hairdressers do what to their hair, only to be unhappy and upset with the results. In legal claims against hairdressers, these clients will sometimes go so far as to allege mental distress or time away from work. While many claims are frivolous and may be dismissed in court, the expense of defending these allegations can eat into your bottom line if you are not adequately insured. The correct barber hair dresser insurance liability coverage can shield you from paying claimants' rewards plus your legal bills.