Barber Hair Dresser Insurance Policy Information
Barber Hair Dresser Insurance. 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 few years back when a 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 protects your shop or salon from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked barber and hair dresser insurance questions:
- What Is Barber Insurance?
- How Much Does Barber Insurance Cost?
- Why Do Barbers And Hairdressers Need Insurance?
- What Type Of Insurance Do Barbers Need?
- How Do I Protect My Home-Based Salon Or Barber Shop?
- What Are Hair Dressers / Barbers Risks & Exposures?
- What Does Barber Insurance Cover & Pay For?
What Is Barber Insurance?
Barber insurance is a type of insurance that specifically covers the risks and liabilities associated with operating a barber shop or hair salon.
It typically includes coverage for property damage, personal injury, and general liability. It may also include coverage for loss of income due to a covered event, such as a fire or natural disaster.
Additionally, it may provide protection for professional liability, which covers claims made against the barber or hair dresser for mistakes or errors in the course of providing services.
How Much Does Barber Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small barber and hair dressing businesses ranges from $37 to $49 per month based on location, size, payroll, sales and experience.
Why Do Barbers And Hairdressers Need Insurance?
Barbers and hairdressers need insurance for several reasons. First and foremost, it protects their business and livelihood. Accidents and injuries can happen at any time, and insurance can provide financial coverage for medical bills, damages, and other expenses. It can also protect against legal liability if a client decides to file a lawsuit against the business.
Additionally, insurance can protect against loss or damage to equipment and supplies, which can be costly to replace. This is especially important for small business owners who may not have the financial resources to easily absorb such losses.
Furthermore, insurance can provide peace of mind for both the business owner and their clients. Customers may feel more comfortable and confident in the services provided if they know the business is properly insured.
Overall, insurance is an important aspect of running a successful barber or hairdressing business, as it helps to protect against unexpected events and ensures the financial stability of the business.
What Type Of Insurance Do Barbers Need?
Barbers and hairdressers typically need several types of insurance, including:
- Professional Liability: This covers any claims made against you for mistakes or errors made while providing services to clients.
- General Liability: This covers any accidents or injuries that occur on your business premises, such as slips and falls.
- Commercial Property: This covers damage or theft of your equipment, tools, and other property and buildings.
- Workers' Compensation: This covers any medical expenses and lost wages for employees who are injured on the job.
- Business Interruption: This covers any lost income or expenses if your business is temporarily closed due to a covered event, such as a natural disaster.
There might be other policies need depending on the operations of the barber or hairdresser.
How Do I Protect My 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 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 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 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.
What Are Hair Dresser's / Barbers 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 non-owned liability.
What Does Barber Insurance Cover & Pay For?
Barbers can face lawsuits for a variety of reasons, including:
Injury to a client: If a barber accidentally injures a client, such as cutting them with scissors or clippers, the client may sue for damages. Insurance can protect barbers by covering the costs of legal fees, settlements, and judgments related to such claims.
Infection or disease transmission: Barbers are responsible for maintaining a clean and sanitary environment to prevent the spread of infections or diseases. If a client contracts an infection or disease due to the barber's negligence, they may file a lawsuit. Insurance can cover the costs of defending against such claims and paying out settlements or judgments.
Discrimination: Barbershops may be sued for discrimination if they refuse service to clients based on their race, gender, religion, or other protected characteristics. Insurance can provide coverage for legal fees and damages related to discrimination claims.
Damage to property: If a barber damages a client's property, such as staining their clothing with hair dye or bleach, the client may file a lawsuit. Insurance can protect barbers by covering the costs of legal fees, settlements, and judgments related to property damage claims.
Breach of contract: Barbershops may be sued for breach of contract if they fail to provide services as agreed or if they engage in deceptive or unfair practices. Insurance can cover the costs of legal fees, settlements, and judgments related to breach of contract claims.
Insurance can help pay for these types of lawsuits by providing liability coverage. Liability insurance protects barbers from financial losses if they are found liable for damages or injuries to clients. The insurance company will pay for legal fees, settlements, and judgments up to the policy limit. The exact coverage and policy limits will vary depending on the insurance carrier and policy purchased.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7241 Barber Shops
- NAICS CODE: 812111 Barber Shops
- Suggested Workers Compensation Code(s): 9586 Beauty Shop, Barber Shop, or Hair Styling Salon
Description for 7241: Barber Shops
Division I: Services | Major Group 72: Personal Services | Industry Group 724: Barber Shops
7241 Barber Shops: Establishments primarily engaged in furnishing barber and men's hair styling services. Barber colleges are included in this industry.
- Barber college
- Barber shops
- Hair stylists, men's
Babrber Hair Dresser Insurance - The Bottom Line
To find out exactly what type of barber or hair dresser insurance you need and how much coverage you should have, speak to a licensed insurance agent to go over your options.
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 industry is a highly regulated sector, with strict rules and guidelines in place to ensure the safety and effectiveness of the products and services being provided. In addition to meeting these regulatory requirements, businesses in this industry also face a number of other risks and potential liabilities. For example, customers may suffer adverse reactions to products, or employees may suffer injuries while providing services. In these cases, the business could be held liable for any resulting damages or losses.
Business insurance can help protect a health and beauty business from these types of risks by providing financial coverage in the event of a claim or lawsuit. For example, a commercial insurance policy may provide coverage for medical expenses or damages that result from a product liability claim. It may also cover legal fees and other costs associated with defending the business against a claim.
In addition to protecting against financial losses, insurance can also help protect the reputation of a health and beauty business. If a business is sued or faces a costly claim, it can damage the business's reputation and negatively impact its bottom line. By having insurance in place, a business can show its customers and clients that it is prepared for any potential risks and is committed to protecting their safety and well-being.
Overall, commercial insurance is an important consideration for any business, but it is especially important in the health and beauty industry due to the unique risks and liabilities that businesses in this sector face. By having the right insurance coverage in place, businesses can protect themselves, their customers, and their employees, and ensure that they are able to operate with confidence and security.
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.