Why Do Beauty Salons Need Indemnity & Liability Insurance?
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When customers enter your beauty salon, they’re looking for some me-time.
They want to be pampered and nurtured and leave your salon feeling refreshed and rejuvenated.
But between wet floors due to product or water spillage, and the use of chemical-based products, hot electrical appliances, and overloaded sockets, a beauty salon can become a dangerous place for customers, employees and suppliers.
That’s why, to protect your business against potential legal action, you need insurance.
In this post, we’ve highlighted the two main types of insurance you need as a beauty salon owner and listed the key things you can do to reduce risks on your premises.
Public & Product Liability Insurance For Beauty Salons
Public liability insurance is a no-brainer for beauty salons. That’s because public liability insurance covers your business if one of your customers, suppliers or a member of the public suffers an injury or property damage while they’re in your salon or while you are providing your services.
For instance, public liability insurance provides cover if one of your customers trips over a hair dryer cord as they enter your salon and hurt themselves. It can also offer protection in the event one of your staff members visits a client’s home to deliver a beauty service and accidentally breaks an item.
Product liability insurance protects your business if a third party makes a claim due to personal injury or property damage caused by a product you provided. For instance, a product liability policy would cover you if you sell shampoos and a customer has an allergic reaction after using one of them.
Professional Indemnity Insurance
Your clients come to you to ask for expert advice on all things beauty. They might ask you for the best brow shape for their face or the best facials for their skin. They also come to you so you can work your magic on them and help them feel good about themselves.
But as is the case for every business owner, you might encounter clients that aren’t satisfied with your services. Worse still, you could accidentally harm someone by using recommending something that reacts with their skin.
Professional indemnity insurance will cover the expensive costs of legal action if you’re found liable.
How To Minimise The Risks In A Beauty Salon?
Even though having insurance will protect you and your business against costly legal action, providing a safe environment should be your number one priority.
Here are a few ways to reduce the risks of injury and property damage in your salon:
- Disinfect chairs and massage beds after each use
- Wash towels and linen every day
- Ensure your salon has good ventilation to prevent respiratory issues due to harmful chemicals for your staff and customers
- Clean spillages immediately and get any leaks fixed
- Regularly sweep the salon to remove hair clippings and prevent falls
- Vet and train your staff on safety measures
- Don’t over plug sockets, and be careful where you place candles
These steps will help you mitigate the risks and preserve the reputation of your beauty salon. Now, time to work your magic on your clients!
Helping Beauty Salons Find Business Insurance
If you’re looking for the best policy for your beauty salon, don’t hesitate to use our free instant quote generator, where you can get an estimate on market-leading business insurance for beauty salons in seconds. Simply enter your occupation and expected revenue to get started and insure your beauty salon with the right cover online within minutes.