Header bg
  • section background

    Why Do Beauty Professionals Need Insurance

    Hero bg 2
    why do you need insurance in a beauty salon

    Beauty professionals range from eyelash technicians to hairdressers. You might be a one-person show or manage a salon with multiple employees. Both cases require the proper insurance to mitigate the risk of lawsuits, which could be detrimental to your business.

    The right insurance plan should include general and professional liability coverage and building and contents insurance. This article details each of these policies protects from financial losses and how they help your venture thrive.

    Why do you need insurance in a beauty salon?

    You’ve finally opened the salon of your dreams. Congratulations! But without the right business insurance plan, a dream can quickly turn into a nightmare.

    Suppose you’re a hairdresser with a brand new salon business. As a business owner, you service dozens of people daily. Clients come for blowouts, cuts, and hair washes.You or an employee might splash water or shampoo onto the floor and create a hazard for clients and third parties. If someone slips, they may have the right to sue you and your business for property damage or bodily harm.

    Such a lawsuit would devastate your new salon! Legal costs, damage awards, and other fees can quickly add up to tens of thousands of dollars — amounts that could force your business to shutter.

    The proper insurance can mitigate these risks by paying legal fees and damage awards on your behalf. It also provides peace of mind to know that someone injured at your store won’t drive you into financial hardship.

    Related: Beauty Services That Need Insurance


    Need Beautician Insurance?

    Learn More


    What types of insurance do beauty professionals need?

    General liability insurance protects from scenarios such as the one above. It covers lawsuits arising from day-to-day risks that result in bodily injury, property damage, and even libel or slander. Whether it’s slipping on shampoo or an icy doorstep, general liability insurance covers the legal troubles that follow.

    Professional liability insurance, also known as errors and omissions insurance, protects your business when it provides negligent or misrepresented services.Suppose you provide a manicure and chip the client’s nail. This error could give the client the right to sue you. In this instance, professional liability insurance can cover legal fees and damage awards related to such a claim.

    Contents insurance covers risks outside of lawsuits. This protection covers the items you need to run your store from damage or theft.

    Suppose a theft or unfortunate event causes you to lose the expensive equipment and assets required to run your business. Replacing these items can cost thousands out-of-pocket. But the right insurance plan can pay for replacement fees.

    Building coverage covers your store or office when it’s damaged. Sometimes, your landlord might cover these damages, but having this protection can prevent arguments with your landlord when a hailstorm shatters multiple windows.

    Do beauticians need insurance if they rent a booth or chair?

    If you rent a chair or booth inside of a beauty salon or store, insurance is still essential. In fact, a business insurance policy may be mandatory.

    Many businesses that sublease to beauty professionals want peace of mind knowing that their renter is insured. This can mitigate the risk that the salon would be liable to legal costs in an unfortunate circumstances.

    Often, the business or person who pays damages is the one who can afford to do so. Just think, if you rented a chair and created a slipping hazard, a client who injures themselves may sue both you and the salon.

    The salon owner wants assurance that you’re able to pay for legal costs and damage awards so that the fees won’t come out of their pockets.

    Beauticians who rent a chair also require the right professional liability insurance. If you provide negligent services, the fault lies with no one else but you.

    And while you may believe you’ll never commit an error, it only requires one bad day for you to accidentally snip off someone’s eyelashes and cause them significant distress.

    Beauty professionals need the proper insurance to run their business effectively. The right plan includes coverage for professional and general liability, contents, and your building.

    Get a quote and buy insurance online for all your beautician insurance needs with APOLLO Insurance.


    APOLLO Has You Covered

    We can help you understand the benefits of insurance for your business, and get the kind of protection you need in minutes.

    Learn More


    Originally published December 22, 2021, updated August 25, 2023

    Back to APOLLO Magazine
    Share this article

    Get Tenant Insurance in less than a minute

    Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.

    Get a free quote

    4.6 rating

    Google Logo

    Get Tenant Insurance in less than a minute

    Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.

    Relevant articles

    section background
    section background

    Getting insured is as easy as 1 - 2 - 3

    Tell us (very little) about yourself
    1

    Tell us (very little) about yourself

    Just tell us your address, your name, email and phone number. And that's it. We'll give you a price in less than a minute.

    Pay online easily and securely
    2

    Pay online easily and securely

    You can choose to pay monthly or save money by paying for the entire year in one easy payment.

    Get your documents in your inbox - instantly
    3

    Get your documents in your inbox - instantly

    As soon as you complete your purchase, you'll find your proof of insurance and policy documents waiting for you in your inbox.

    Get covered today - it couldn’t be easier

    We’ve provided more than 1,000,000 quotes to Canadians just like you. Give it a try!

    Google Logo

    Reviews

    4.6 rating

    1,581 reviews

    view all

    Across Canada

    Contact Us
    Apollo logo

    © 2024 APOLLO Insurance Solutions Ltd.

    111 Water Street, Unit 210, Vancouver, British Columbia, V6B 1A7

    APOLLO Insurance Agency Ltd. (o/a APOLLO Brokerage in the province of Ontario only) is a licensed retail brokerage, offering our clients with a comprehensive set of insurance solutions to meet their individual needs. APOLLO Insurance Agency Ltd. maintains necessary corporate licensing in provinces across Canada. Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company's discretion and product availability.

    Transparency and Disclosure: APOLLO Insurance Agency's role is to provide you with exceptional service and the best insurance products that suit your needs. As a licensed retail brokerage, our compensation is based on a commission basis already built into your insurance premium and varies based on the product purchased through our platform. For a description of how APOLLO Insurance Agency is compensated and how this is calculated, please refer to our Compensation Disclosure document. For consumers in Ontario, please review the RIBO Conduct Fact Sheet and the RIBO Conduct Guidance document.