Insurance Policies for Hair Stylists You are a professional at styling and cutting hair, but you probably don’t have the same expertise when it comes to a liability policy. Hair Styling Liability Insurance Everybody needs a haircut once in a while, and as a hair stylist, you have the skills to help your clients look their best. But constantly working with sharp tools and people means that accidents can happen at any time, even to the best hair stylists. General and Professional Liability Personal and Advertising Injury Damage to Premises Rented to you Inland Marine/Business Personal Property Not ready to buy? Setup a reminder for the day you want to purchase. No quote process • Instant coverage • A+ rated insurance Carrier BBI is the Coverage you need Going through hair school gave you the expertise you need to cut and style hair. People come to you because they are convinced you are the best person for them.
Even with all the training you’ve received, however, it can’t prepare you for everything that could happen. What if a client moved while you were cutting their hair and you accidentally cut them with scissors? This situation is not beyond the realm of possibility, and you might be surprised to learn that you could be held liable for the medical expenses and other costs of that cut. Which is why you need coverage to help you in your career. Our online Beauty and Bodywork Insurance (BBI) offers comprehensive liability policies for hair professionals and students. This includes hair salon booth rental insurance as well. Whether you need a policy to protect your hair-styling business or to insure your hair supplies and equipment, BBI offers the coverage you need at a price you can afford. ** Please note these are brief definitions of coverages and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.
This policy is for professionals who work in the Beauty and Bodywork Industry. This policy is for students currently enrolled in a beauty or massage school. 24/7 Access to Policy Documents Licensed In All 50 States No Deductible on Liability Claims A+ Rated Insurance Carrier One Policy for Multiple Methods 1 Additional Insured $15 | Unlimited Additional Insureds $30 General & professional liability limits General & Professional Liability Aggregatei Products & Completed Operations Aggregatei Personal & Advertising Injuryi Damage to Premises Rented to youi Inland Marine / Business Personal Propertyi Setup a reminder for the day you want to purchase. The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC. Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002.
Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs. Great American Insurance Group Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers. Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014) Being a hairstylist is a popular part of the beauty industry, but it is only one of many different types of practices. BBI was created to allow all workers in the field the opportunity to reduce the risks that are associated with their profession and give them the insurance they need to confidently go about their career.
Some of the other methods we insure include: Insurance protection designed for the professionally qualified (refer Acceptable Qualifications) Self Employed Hairdresser or Barber. 'Quote & Buy' - Online Wide policy coverage for Hair/ Barber Professionals who are Mobile, Home based (Home Salon), Renting a Chair in a Salon, a Session Stylist and/ or a Trainers**.* premium inclusive of Insurance Premium Tax at 10%; for new policies and/ or renewals falling prior to 1 October please contact our Office (01923 894360)** includes Teaching in connection with the Policyholder's occupation but excluding ownership, management or control of any School/ College or Training establishmentOur Barbering definition includes Cut Throat/ Wet Shaving on the proviso that the Hairdresser/ Barber is deemed qualified per the approved qualification/ courses Please note that Northern Ireland Residents are subject to referral and additional terms, however we cannot provide cover for residents of the Republic of Ireland.
Click here to be directed to our Skin Testing page/ guidance.Our product automatically covers you anywhere in the UK and upto 31 consecutive days overseas (Worldwide excluding USA/ Canada). The policy is underwritten by Royal & Sun Alliance Insurance plc. If you provide services beyond Hair/ Barbering thus Beauty including Make-Up/ Nails etc, please refer our Just Hair & Beauty product for more details/ information.Why Cosmetology InsuranceAs a working cosmetologist, you get up close and personal with your clients on a regular basis. Whether your primary skill is providing aesthetic support or creative skills, there is a reason you need cosmetology insurance. You strive to make your clients look and feel their best. Doing so is not only rewarding, but it also means repeat customers and positive word of mouth marketing about your skills as a cosmetologist. However, no matter how much effort you put into pampering and serving your clients so well, it is important to remember the basic black and white facts of business strategy and even the law when you become a professional cosmetologist.
In other words, you may be the best cosmetologist in your whole region, but if you do not have certain fundamental pieces in place for your career and your business, then you are building your business without a stable foundation. A strong foundation for a successful cosmetologist should include liability coverage. In fact, obtaining cosmetologist liability insurance may also be required by law. The main reason insurance is so crucial is because you really never know when an accident might take place that results in a legal claim against you from one of your clients or another person who somehow suffered harm in association with your business. You can think of cosmetologist insurance as your safety net, there to catch you in case any such legal claim ever becomes a reality. If you are wondering why you might need the safety net of cosmetology liability insurance, the reason comes in the form of dollars and cents. Legal claims of damage or injury can be quite expensive to settle, and without cosmetologist liability insurance, you will need to reach into your own pockets to pay out possible claims.
Accident Lawsuits Coverage: General Liability InsuranceThere are three main areas of accident or injury that your insurance program should be designed to cover. The first is called general liability, and it refers to situations where a client or other person slips, trips, falls or has some other kind of accident on the property of your cosmetology business. For example, if there is a small puddle of water near the washing station, and your client slips on it and ends up hitting her head or breaking her wrist, then you may find yourself facing a legal claim to pay for these damages. In scenarios such as this one, the general liability portion of your cosmetologist liability insurance would be called upon to cover the legal expenses. Protect Yourself Against Claims: Professional Liability InsuranceThe other two types of accident or injury that your cosmetology insurance should be designed to cover pertain to damage caused by either you or some kind of product used during the cosmetology appointment.