- BUSINESS INSURANCE
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- PERSONAL INSURANCE
- I’M A BROKER
There are three kinds of insurance a beautician needs
General Liability Insurance
Professional Liability Insurance
Though beauticians are trained professionals, that doesn’t guarantee their business is risk-free.
Your clients are confident in your abilities, so much so that they have entrusted you with their personal appearance and well-being. As a beautician, it is your responsibility to ensure that your services make them feel great, but what if something unexpected were to happen? APOLLO knows that even if you took all the necessary precautions, that there’s still a chance something could go wrong, and you’ll be to blame. Don’t let this happen to you. Regardless of the size of your business, you deserve to feel secure, and our customizable insurance plans will offer just that.
Risk management is imperative to the survival of your business, especially when the services you provide require a mix of chemicals, sharp tools, and water. Though you have experience with these items, you must remain cautious of the inherent risk they present to you, your client, and your workplace. Imagine if the products you used on a client caused them to have an unexpected allergic reaction. Even though you didn’t intend to cause them bodily harm, they may still feel compelled to sue. However, if you were to possess a professional liability insurance policy, you wouldn’t have to worry about the potential costs associated with being found negligent in this scenario.
Your career as a beautician relies on remaining financially secure, and the only way to do so is by purchasing a beautician’s insurance policy. By acquiring appropriate protection, you are taking the necessary steps to mitigate your industry’s risks and ensure you won’t suffer any financial consequences.
Why do beauticians need insurance?
A beautician provides specialized services that many deem a “luxury,” and clients will expect them to live up to this standard. From the moment someone enters their establishment, they are responsible for meeting this expectation and financial compensation if an accident were to occur. Given this, without any kind of protection, they may end up having to pay a large sum, which in turn, will pose a financial risk.
Typically, if a beautician owns or leases their beauty salon, most places of residency will require them to possess both general liability insurance and commercial property insurance. These policies will permit them to work and ensure that their business will receive financial coverage for day-to-day risks and unexpected events.
If a beautician’s services entail providing professional advice to clients, it may also be wise to obtain professional liability insurance. In doing so, this would protect them from potentially being sued for any negligence, bodily injury, or misinformation that a client may allege to have occurred because of their instruction. Though harm was not intended, a client can still use their words against them, and if found guilty without proper coverage, they’ll have to pay costly fees.
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What types of risks do I face as a beautician?
Although you are a trained and certified professional in the services you provide, that doesn’t guarantee that you won’t make a mistake. If this were to occur, and a client was to allege that you or one of your employees failed to execute a service properly, then they may feel entitled to seek legal action or to receive financial compensation. Regardless of the factuality of these claims, you will be required to pay a large sum of fees, and without the support of a solid insurance policy, this could be detrimental to you and your business.
There are certain health and safety protocols you must abide by as a beautician to work. However, even if you were to take all the necessary precautions, there is still a chance that an accident can happen in your workplace. Whether you accidentally burned yourself while styling a client’s hair or slipped, tripped, and fell on a wet or unwept floor, you will automatically have to cover the medical expenses associated with that accident. Though, if you were to obtain some form of insurance coverage, you would never have to worry about these associated costs ever again.
Like most businesses, yours will also be susceptible to unforeseen events. From flooding to arson, you’ll want to ensure that you’re protected. The damages that these kinds of actions cause to property and physical belongings will undoubtedly be costly. Without the support of a good insurance policy, you may never be able to recover financially enough to provide your services again.