Does A Beautician Need Public Liability Insurance?
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Beauty, cosmetics, and skincare are big businesses in Australia. The hairdressing and beauty services sector alone accounts for nearly $9 billion in revenue. People often turn to professionals such as beauticians and cosmetologists for various self-care and beauty services.
Business owners in these professions need to take special care when performing their work to ensure that they don’t cause injury or harm to their clients such as cuts, burns, or allergic reactions. While these situations are unavoidable in some cases, beauticians need to make sure that they have the proper insurance coverage to protect themselves from lawsuits or claims against them or their beauty business.
What is public liability insurance?
Public Liability Insurance is used by individuals and businesses to help cover the costs of claims in the event that physical harm is caused to their clients or other members of the public. Public Liability Insurance also helps cover damage caused to property as a result of business activities.
In addition to financial assistance at the time of a claim, the insurance partner can also provide legal advice to beauticians on how to best handle claims. If handled properly, court-ordered payments can sometimes be mitigated or reduced. Public Liability Insurance also covers any legal fees associated with the claim.
Why beauticians need public liability insurance
There are lots of situations where beauticians can accidentally or mistakenly cause harm to their clients when performing services. For example, beauticians often work with sharp objects such as razor blades and scissors. A simple distraction could result in accidentally causing a cut or other injury. In addition, waxing services can result in severe burns if the wax gets too hot or allergic reactions can be caused by using products that are new to the client. Public Liability Insurance can help protect from injuries that are caused by the environment as well such as a client or other member of the public slipping on a wet floor.
Public Liability Insurance can also protect beauticians from property damage claims. For example, hair dye can cause permanent damage to an expensive piece of clothing.
While these situations are rare, beauticians should make sure that they are covered to avoid any negative financial consequences. Since many beauty salons are small businesses, a single lawsuit can result in serious financial consequences, sometimes even bankruptcy. Lawsuits can also target the individual personal finances which can threaten a beautician’s personal savings accounts or other assets. Insurance can protect claims made against you as an insured person and not just your business alone.
Beauticians can count on upcover's insurance offerings
Are you a beautician and not sure where to get started with securing Public Liability Insurance? upcover makes it easy to get market leading insurance that beauticians need to feel protected as they care for their clients every day. Find out for yourself by getting an instant quote in seconds today!