Barber Hair Dresser Insurance Montana Policy Information
Barber Hair Dresser Insurance Montana. If you own a barber shop or hair salon, chances are good that you may at one point see yourself on the receiving end of litigation when an unhappy or disgruntled customer lodges a complaint against you in court. Such was the case a fews years back when a Montana salon was sued by an unhappy client over an alleged botched color job. The woman sued the salon saying that her hair was burned due to dye being misapplied, and as a result, she missed out on work by not being able to perform as a burlesque dancer or to audition for work.
This case, while a little extreme in its claims, is not uncommon. If you work with hair for a living, you can become the target of a lawsuit.
Barber shops cut, trim, and style hair for men, women, and children. They also cut, trim, and style mustaches and beards. There is normally little equipment and no chemical applications other than styling and grooming aids. Services may be offered on a walk-in basis, by appointment only, or both. Barber shops are subject to state licensing and regulations to reduce the possible spread of disease. Each barber must also be licensed. Shops may employ barbers or may rent space to barbers who are independent contractors. The status of the barbers must be determined since it may impact how coverages apply.
Barber hair dresser insurance Montana protects your shop or salon from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Is Your Barber Shop or Hair Salon a Target for Litigation?
Clients come to you to look their best, and you work hard to help them achieve that goal. However, things do not always go according to plan. Even the most meticulous baber or stylist is subject to making a mistake, and when mistakes happen, having barber hair dresser insurance Montana in place is important. Montana hairdresser insurance or barber insurance can help protect your business from the financial fallout of a lawsuit or claim against you, even major claims that might otherwise put you out of business.
There were around 220K barber shops and 210K beauty salons in the United States in 2011, each of them with their own unique risks and some shared perils. Just one claim can put some small businesses out of business for good. A substantial claim could wipe out any assets and savings that the small business owner has accumulated. For a few hundred dollars each year for barber hair dresser insurance Montana policy, your business can be fully protected and you can breathe easier knowing that your financial future is not in the hands of a disgruntled or dissatisfied customer with an axe to grind.
Liability Insurance for Barbers and Hairdressers
Sometimes clients ask for barbers and hairdressers to do things to their hair, only to wind up dissatisfied and angry with the results. Sometimes these clients go so far as to claim emotional distress or time lost from work in legal claims against stylists. While many claims are unfounded and may be thrown out of court, the cost of defending these charges can really eat into your bottom line if you're not insured properly. The right barber hair dresser insurance Montana liability coverage can protect you from paying any awards given to claimants and also pay your legal fees.
The right policy typically offers some or all of the following protections:
- Professional liability insurance coverage. Personal injury lawsuits resulting in alleged emotional distress is covered by this type of insurance. It also provides for settlement awards and damage awards, fees assessed by the court, and your legal defense costs.
- General liability coverage. Slips and falls in the salon or elsewhere that you do business are covered by general liability coverage. It can also pay for plaintiff's medical costs and any damage to property as well as legal fees.
- Product liability insurance coverage. If a product you use or sell in your salon or barbershop causes harm, this coverage kicks in. For example, if you provide facial hair removal, and the wax overheats and burns your client, then this insurance would pay claims and costs associated with the claim.
If you work for a salon but do not own it, you may need separate insurance beyond what the salon owner carries. Talk with an commercial insurance agent to make sure you're personally protected against liability. As a stylist in a barber shop or hair salon, each client you have represents an inherent risk to your financial future without the proper barber hair dresser insurance Montana in place. You are not immune to potential litigation in your job. Even if you face unfounded claims, the cost of defending yourself from a scalp treatment recommendation gone wrong or a cut during a shave can be monumental. The same insurance types that are needed by hairdressers are likewise needed by barbers.
Protecting Your Montana Home-Based Salon or Barber Shop
Many small businesses are operated from home, and many barbers and stylists operate their shops out of their own residences. If this describes your situation, you should consider special barber hair dresser insurance Montana to cover the business. Your homeowner's policy is not enough. It likely does not cover business activities, leaving accidents resulting from your business' operation for you to handle on your own.
Some homeowner's policies have riders or addendums for business operation from the home. You can also purchase a comprehensive single policy just for the business. Make sure that it covers the major points of your business, including cash and inventory kept at home. It should also provide barber hair dresser insurance Montana general liability for accidents on the premises or damage to the business.
Work with a seasoned agent to find the right level of barber hair dresser insurance Montana coverage for your individual business' particular needs. An commercial agent can access multiple quotes from different insurance companies to get the right level of protection in place for your business.
Montana Hair Dresser's / Barber's Risks & Exposures
Premises liability exposure is moderate due to public access to the premises. Aisles must be adequate and free of hair clippings and debris, no frayed or worn spots on carpet, and no cracks or holes in flooring. The number of exits must be sufficient, and be well marked, with backup lighting in case of power failure. If barbers are independent contractors, any injuries they incur on premises are part of the premises liability exposure instead of workers compensation.
Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. Courts may deem the security of visitors in parking areas as the responsibility of the owner or operator of the premises. Factors affecting the risks include exterior lighting, fencing, and any other security measures in place.
Product liability exposure is moderate if the shop sells shampoo and other items to customers. The exposure increases if any products sold are non-standard, independently produced, or proprietary.
Professional liability exposure is low due to the limited services provided in a barber shop. Because of the large number of customers served, a significant, although easily avoided, risk is the transmission of diseases and vermin such as lice. The absence of simple hygienic practices like hand washing and disinfecting solutions for combs and brushes may indicate a morale hazard. Understanding the contractual relationship between the shop and the stylists is important as it has an impact on who is covered.
Workers compensation exposure is generally limited to minor cuts, scratches, and puncture wounds from scissors and clippers, and repetitive motion injuries. Leg and back injuries may result from standing long hours without resting. Dermatitis may result from ongoing contact with shampoos. Shops with more than one chair may be considered to be multiple sole proprietorships, rather than one business with employees. The contractual relationship between the shop owner and any independent contractors helps determine workers compensation exposure, although regulatory definitions of employee may supersede the contract terms.
Property exposure consists of a small office and the customer service area. Ignition sources include electrical equipment, heating, and air conditioning. If the barber shop is in a converted dwelling, wiring should be up to code and adequate for the occupancy. Poor housekeeping may be a serious fire hazard because hair trimmings are flammable. While most grooming aids are not flammable, some hairsprays and ointments may contain alcohol. There should be adequate ventilation to prevent the buildup of vapors which can ignite. Ownership of personal property may need to be addressed. Professional equipment such as scissors and electric clippers is quite costly and is commonly owned by the employee or independent contractor.
Crime exposures are generally limited to theft of money by employees and others if large amounts of cash are on hand. Background checks should be conducted on all employees and independent contractors who handle money.
Inland marine exposures are from valuable papers and records for customers' and suppliers' information. If employees provide their own tools, there may be employees' tools and equipment exposure. If the barber goes to the client's premises to perform services, there may be goods off premises or in transit.
Commercial auto exposure is generally limited to hired and nonowned liability.
Montana Economic Data, Regulations And Limits On Commercial Insurance
Thinking about starting a new business? Already own a successful business and want to expand your operations? Whatever the case may be, if you want to experience as much success as possible, you are going to want to ensure you choose the best possible location for your specific industry.
No matter how outstanding your goods and services may be, if the area where your business is located doesn't offer a healthy climate that will support your company, chances are you'll struggle to succeed.
If you are thinking about opening up a business in Montana, being familiar with the state's economic trends can help you determine if it's a good location for you. It's also wise to know what type of insurance you'll need to invest in so that you can plan ahead.
With that said, below, we provide an overview of the economic trends in the state of Montana, as well as the commercial insurance requirements for business owners in the Treasure State.
Economic Trends For Business Owners In Montana
As of December, 2019, the Bureau of Labor Statistics reported that the unemployment rate in the state of Montana was 3.4%; that's 0.1% lower than the national average, which was 3.5% at the same time. This rate remained steady throughout the entire 2019 fiscal year, and it is expected to either continue remaining steady or improve in coming years, according to economists.
Unemployment rate is a vital statistic for business owners, as it indicates the job market of a location, which is a strong determining factor in the success of businesses in the region.
There are several areas throughout the state of Montana that are seeing economic booms and where businesses are flourishing. Among those locations include the following cities and the areas that surround them:
- Great Falls
Several industries are seeing substantial growth in MT; however, there are particular sectors that are really thriving in Montana. Among those sectors include:
- Advanced manufacturing
- Hospitality and tourism
- Information technology
- Oil and gas production
- Retail development
If you are considering opening a business in any of the above-mentioned areas, your chances of success in Montana are favorable.
Commercial Insurance Requirements In Montana
The Office of the Montana State Auditor, Commissioner of Securities and Insurance regulates insurance in MT. Montana mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Montana requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
Montana also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Health & Beauty Insurance
Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:
Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.
Estheticians - are trained to work with clients to treat skin care issues.
Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.
Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.
Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.
Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.
Salons - Similar to spas, salons are offer customers beauty treatments, services and products.
Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.
Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.
Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.
Minimum recommended small business insurance coverage: Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Valuable Papers and Records, General Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyber Liability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.
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Also learn about Montana small business insurance requirements for general liability, business property, commercial auto & workers compensation including MT business insurance costs. Call us (406) 637-8400.