When you also have equipment or operate from an office
All Basic plan benefits and:
Professional Liability, or Errors and Omissions (E&O), insurance protects you when your advice causes harm to a customer by paying medical or property damage expenses in addition to settlement costs.
General Liability insurance pays for claims or lawsuits that arise from an injury to a customer or damage to their property. It also covers advertising if a competitor alleges you stole on their marketing or advertising strategy.
Umbrella Insurance cover a much higher limit and it goes above and beyond the claims of your insurance policies. It helps your business by protecting a large and potentially devastating liability claim or judgment. The Umbrella Insurance comes into play when the underlying liability limits have been reached.
Product Liability insurance covers lawsuit expenses and settlements if a product you sell damages a customer’s property, causes injury or illness, or if it causes emotional distress.
If you make house calls, a Commercial Auto policy pays for any damage you cause in an auto accident. If you use a personal vehicle, you will need Hired & Non-owned liability insurance as well.
Cosmetologists are like artists in the beauty industry, starting with a canvas to paint a beautiful masterpiece. Customers rely on you for special events like weddings, proms and more. 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 coverage consists of cosmetology schools as well as beauty shops and hairdressers.
The art of cosmetology includes several risks:
Cosmetology insurance costs are different depending on the insurance company. To determine premiums, 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.
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