Insurance for Cosmetologists

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Why Cosmetologists Need Insurance

Cosmetologists are like artists in the beauty industry; they start with a landscape and turn it into a beautiful masterpiece. Customers rely on you for big moments like weddings, proms, and other special parties. They expect you to make them look their best with makeup or hair services. Even though it seems risk-free, there is always the possibility of lawsuits, injury or damage that can cause financial ruin. Cosmetology insurance protects you in these moments from loss of finances and a damaged reputation.

This industry consists of establishments that offer training in hairdressing, makeup application, and skin care. Examples of businesses in this industry include barber colleges, beauty schools, cosmetology schools, manicure, and pedicure schools.

Risks Cosmetologists Could Face

The art of cosmetology includes several risks:

  • Bodily Injury: Using a makeup remover or face wash to rid any dirt from your client’s skin is normal. If they have an allergic reaction or it burns their skin, they can file a lawsuit for medical expenses or distress.
  • Advice Goes Wrong: Many cosmetologists offer advice for skin care or makeup removal later on. If the product you recommend causes injury or damage, you can be held responsible.
  • Bad Product: If you sell makeup products to customers and the product doesn’t work damages your clothing or explodes in their car, they can file a lawsuit to recoup any financial damages.
  • Loss of Income: In many cases, cosmetologists rent booths at a local hair salon. If the salon catches on fire, you are left without your products or a place to make an income.

Types of Coverage Cosmetologists Need

Cosmetologists need general and professional liability insurance to protect their business. If you rent space, it is common for the salon to require booth rental insurance that lists the salon as an additional insured. If you have employees, you may need workers compensation or health insurance too.

  • General Liability: Pays for claims or lawsuits that arise from an injury to a customer or damage to their property. It also includes advertising injury if a competitor alleges you infringed on their advertising strategy.
  • Professional Liability: Protects you when your advice causes harm to a customer by paying medical or property damage expenses in additional to settlement costs.
  • Business Auto: If you make house calls, a business auto policy pays for any damage you cause in an auto accident. If you use a personal vehicle, you will need nonowned and hired auto liability insurance.
  • Worker’s Comp: Pays for employee injuries that occur while working including medical expenses and lost wages.
  • Product Liability: Covers lawsuit expenses if a product you sell damages the customer’s property, causes injury, or if it causes emotional distress.

How Much Does Cosmetologist Insurance Cost?

Cosmetologist insurance costs are different depending on the insurance company. To determine premium, companies look at experience, claims history, and the types of cosmetology services you offer. To receive a quote for cosmetology insurance today, simply complete our online form below.

What type of insurance does this industry need?

Policy What is it? Why get it Popularity in your industry Want free quotes?
General Liability
This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy. General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

What is it: This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy.

Why get it: General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

Professional Liability
This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity. Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

What is it: This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity.

Why get it: Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

Errors & Omissions (E&O)
This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to an error or omission on your part. Your business may have contracts with clients or partners that require E&O coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, E&O coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

What is it: This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to an error or omission on your part.

Why get it: Your business may have contracts with clients or partners that require E&O coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, E&O coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

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