For many Raleigh stylists, being able to own and run your very own hair salon is a dream come true. Having your own salon allows you to express your unique and passionate personality while still being able to make a living doing what you love. Understandably, you will want to protect your business with the help of some reliable salon insurance that covers fire, damage and theft.
However, there is another type of insurance that is just as crucial for every salon owner to have. While liability insurance may not sound like something your business really needs, it is vital to ensuring that your dream never becomes a nightmare.
Public Liability Insurance For Salon Owners Protects
So what exactly is public liability insurance and why would a salon need it? Public liability insurance helps to protect businesses, such as salons and barbershops, that have dealings with the public. In the case of hair salons keeps them safe against these common salon risks:
- Accidents or losses that are cause by salon equipment – It doesn’t matter how careful you are, accidents do and will happen. Whether a faulty pair of hair straighteners has burned a client or a blow dryer ended up ruining a bride-to-be’s hair, you will want to make sure you are protected when accidents rear their ugly head.
- Trips, slips, and spills at the salon – A hair salon can be a rather busy place with people constantly going here and there all day. Add some water, shampoo, conditioning oils, hair dye, and some hair care equipment in the mix and you have the perfect recipe for a slip and trip accident at the salon. With the right policy, you can make sure that you will be properly covered when the worst happens.
- Emotional trauma – A couple of years ago, the idea that someone could sue you for emotional trauma over their hair would have been considered absurd. Unfortunately, this is not an uncommon tale in these modern times. That is why it has become vital for hair salons to have a liability insurance policy that will have them covered when their clients aren’t happy with their hair.
These are just a few of many reasons why a salon owner needs to make sure they have public liability insurance to keep their dream safe from harm or ruin. While not all claims against you will be won, those that do will be covered by your insurance company so that you are left free to do what you do best—running your business.
Employers’ Liability Insurance For Salon Owners
While public liability insurance is very important to keeping your dream alive, it is not the only liability insurance you will be needing. As long as you have one or more employees working at your hair salon, you will need to make sure that you have employers’ liability insurance as well.
Clients aren’t the only ones you have to worry about getting hurt at your salon, employees are at just as much if not more risk of injury and illness while at work. Employers’ liability insurance is vital for any business with one or more employees to ensure that when illness or injury is caused by their work, your employees can receive the medial care they need. Additionally, this insurance will also help ensure that your hair salon does not get sued as a result of their injuries so that you can keep everything up and running for a long time.
How Amistad Insurance Services Helps Keep The Dream Alive
Owning a hair salon involves a lot of unique risks that other small businesses don’t have to face. From the specialty equipment used to the materials that can often cause harmful fumes, there is a lot that could go wrong and end up costing you your dream.
Luckily, at Amistad Insurance Services, we offer a specialized policy for salons in order to ensure that you can keep the dream alive even when accidents happen. Our one stop shop agency is dedicated to making sure you know your coverage options and helping you find the best policy for your business’ unique needs. With our assistance, you can go back to confidently run your salon knowing that your dream is safe from harm’s way.
Contact us today to learn more about barbershop and salon insurance in Raleigh.