5 Beauty Services That Need Insurance
Beauty insurance protects small businesses and entrepreneurs in the cosmetology industry from the unexpected. Find out who needs coverage and how it can provide you with peace of mind.
Getting into the beauty industry, one of the last things you probably thought about was insurance. But, just like with any profession, having the right protection for your products and services is essential.
Insurance covers professionals and small business owners from expenses related to accidents, theft, liability claims, and more. Read on to learn about five beauty service providers who should have a policy in place for their services – and why.
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Insurance for Beauty Professionals: Who Needs Coverage?
From hair stylists to cosmetologists who specialize in eyelash extensions, below is a list of five beauty service professionals who should have insurance.
Beauticians offering threading, body wraps, microdermabrasion, eyelash and eyebrow tinting, etc.
Haircare professionals offering hairdressing, styling, barbershop services, appointments through hair loss centres, etc.
Massage therapists offering Chinese massage, connective and deep tissue massage, pregnancy massage, reflexology, etc.
Nail technicians offering manicures, pedicures, gel nails, and non-surgical podiatry procedures, etc.
Retail store owners selling cosmetics, hair care products, beauty supplies, etc.
The Importance of Liability Insurance for Beauty Professionals
As a beauty services professional, clients view you as an expert in your field. For this reason, it’s important for the services or products that you provide to be up to a certain standard. Of course, everyone makes mistakes, which is why insurance is an invaluable investment for any business.
It can help protect you in the event of:
Accidents
Damages
Theft
Medical malpractice
No matter what type of beauty business you run, without professional liability insurance, you can be held financially responsible for costly expenses. Here are a few examples of what this could look like for you and your business.
Slip and Fall Incidents
A customer visits a nail bar to get a manicure. During the visit, the customer accidentally slips and falls, injuring her arm. Since the injury took place on the business premises, the customer now sues the owner of the nail bar. This may leave the business owner financially responsible for the medical and legal expenses of the liability claim.
Property Damages
After arriving at a client’s home, a makeup artist sets up her supplies and equipment. Her assistant accidentally knocks over a light, which breaks the client’s 60-inch television. As a result, the client demands reimbursement for property damages, leaving the makeup artist responsible for the cost of replacing the television.
Stolen Products and Equipment
A retail store specializing in beauty supplies gets broken into and many of the shop’s most expensive products and pieces of equipment are stolen. This includes costly inventory, as well as the store’s desktop computer, which contains the business’ point-of-sale system and customer information. Even though the data is backed up online, the store owner still faces expensive replacement costs in order to get his business up and running again.
Professional Negligence
While providing a client with a hot stone massage, a massage therapist forgets to check the temperature of the stones before placing them on the client. The stones are too hot and burn the client. As a result, the client sues the massage therapist for medical malpractice. The therapist now faces a claim for professional negligence and is held liable for the medical and legal expenses.
Omission of Information
A hair stylist at a beauty salon forgets to inform a client of the inherent risks of using bleach on hair. The client has a severe allergic reaction and requires medical attention. The client now sues the stylist, claiming that she was not informed of the risks involved in her hair treatment. This may leave the stylist financially accountable for the client’s medical bills, as well as costly legal expenses.
Protect Your Beauty Business with Professional Liability Insurance
As a beauty professional who provides your clients with expertise and advice related to your field, having the right type of insurance helps protect you.
With APOLLO, Canada’s leading online insurance company, you can find custom coverage for your business within minutes. Start your online application right now, and you can be insured within the next 15 minutes.
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Get the protection you need in minutes with custom Business Insurance from APOLLO.
Originally published June 7, 2022, updated August 25, 2023
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