Barber Shop Business Insurance
If you own a barbershop or a hair salon, you might find yourself on the receiving 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 woman sued the salon, claiming that her hair was scorched because of this of incorrectly applied dye, and that as a result, she was not able to perform as a burlesque dancer or audition for work.
While the claims in this case appear an impression excessive, these 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. In addition they cut, trim, and style beards and moustaches. Apart from styling and grooming aids, there is usually little equipment no chemical applications. Services may be provided on the walk-in or appointment basis, or both. Barbershops are subject to state registration and restrictions to be able to avoid 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 less than $37 per month. 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 per month, depending on location, size, payroll, sales, and expertise.
Barbers' most frequent small business insurance coverage include general liability and workers' compensation. Other specialised coverages are available 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 always go as planned. Even the most meticulous barber or stylist is with the capacity of making an error, and when this occurs, having barber hair dresser insurance is crucial. Hairdresser insurance or barber insurance can help 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. A single claim can be enough to knock some small firms out of business for good. A big claim could completely deplete the small business owner's assets and savings. Your company may be fully insured for a few hundred dollars per year for barber hair dresser insurance coverage, and you will rest easy knowing that your financial future is not in the hands of the disgruntled Barber Hair Dresser Insurance or disappointed customer with an angle to grind.
Clients may request that barbers and hairdressers do things to their hair, only to be unhappy and upset with the results. In legal claims against hairdressers, these clients will sometimes go as far as to allege mental distress or time away from work. While many claims are frivolous and may be dismissed in court, the cost of defending these allegations can eat into your important thing if you are not adequately insured. The correct barber hair dresser insurance liability coverage can shield you from paying claimants' rewards as well as your legal bills.