2014
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Resources for Salons and Personal Care Services

5 Ways to Protect your Salon, Spa, Beauty Parlor, Massage Parlor, or Barber Shop

Here are five proactive ways you can prevent accidents and other liability…
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5 Costly Business Protection Myths for Salons, Spas, and Personal Care Businesses

If you find yourself in the exciting position of opening your own salon or spa after all
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5 Tips to Consider Before Purchasing Insurance for Your Salon, Spa, or Personal Care Business

As a the owner of a salon or spa, you know that there are plenty of unseen risks…
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Business Insurance for Spas, Salons, and Personal Care Businesses

As a spa, hair salon, beauty parlor, or barbershop business owner, you and your establishment are built on improving your clients' outlook. No matter whether you offer nail care services, waxing services, hair coloring and cuts, or your spa specializes in massage therapy, the talent and technique you offer can boost confidence, improve appearances, and relieve stress. But what happens when your client is dissatisfied with your services? In the best-case scenario, you can sort out the issue and hopefully not lose a customer. In the worst-case scenario, however, you could be hit with a costly Professional Liability suit.

Liability lawsuits aside, there are numerous other risks that your salon, spa, or beauty parlor encounters on a daily basis. There's inventory to protect from theft. There's equipment to maintain so it doesn't malfunction and hurt someone. And your employees, who spend most of their days on their feet, risk back complications and exposure to chemicals to perform their work. Without appropriate business insurance coverage, even the best-run spa or salon business may end up bankrupt due to the high cost of lawsuits, damaged equipment, and medical expenses.

The business insurance experts at insureon understand the pressures small salon or spa owners face in order to run a successful company. We work closely with you to customize a business protection plan that adequately addresses the needs of your business. Let us outfit your spa or salon with the policies that protect your assets and manage your risks so you can keep growing your business and improving the lives of your clients.

Insurance Options for Salons, Spas, and Personal Care Businesses

Our personal care business insurance experts know that the world of business insurance can be overwhelming to a small-business owner who's already strapped for time. That's why we do the heavy lifting for you, and connect you with policies from top-rated insurance carriers who offer products specifically for your industry.

For spas, salons, beauty parlors, and barber shops, we offer the following types of insurance coverage:

The insureon Advantage

While it's true that a quick Internet search for business insurance will yield hundreds of thousands of options, you benefit from working with insureon for your business insurance needs in four key ways:

  • Coverage You Need, Right Away! Our all-online application process lets us send you multiple competitive quotes within minutes—no hassle and no waiting.
  • Top-Rated Insurance Companies. We have longstanding relationships with some of the best insurance providers in the country, which means you receive comprehensive, reliable coverage you can count on when you need it most.
  • Spa and Salon Specialist Insurance Agents. Our specialized agents understand the risks and regulations your business must contend with, and we find the coverage that was designed specifically for the work you do.
  • Customized Policies. No two businesses are exactly alike, which is why we don't offer cookie-cutter business protection plans. We tailor your policy so that it is truly your own—no gaps in your coverage, no extras.

Spas, Salons, and Personal Care Businesses: Coverage Types

We offer insurance products designed specifically for the risks your spa, salon, or personal care business may encounter. Take a look:

General Liability Insurance for Spa and Salon Businesses

General Liability Insurance (GLI) protects your spa, salon, or person care business from the high cost of third-party liability claims alleging bodily harm or property damage. In essence, anyone who is not one of your employees could file one of these claims against your company if they were hurt or suffered property damage at your premises. For instance, if one of your hair-coloring experts colors a client's hair and the client has a serious allergic reaction to the dye, your salon could be sued for medical expenses.

And if you are like most small business owners who don't have a nest egg set aside for expensive lawsuits, this single claim could be enough to close your business doors. Even if you're ultimately not responsible for the incident, the cost of hiring an attorney can be enough to hurt your business's bank account.

When you have an adequate General Liability Insurance policy in force, though, your business would be covered if such a claim were filed. Your coverage will fund the cost of your legal defense, court-ordered settlements (aka "damages"), bond premiums, and other litigation expenses.

As a small spa or salon owner, you probably market your services to grow your client base. If a competitor should sue your business for copyright or brand infringement, libel, or slander, your General Liability can cover the litigation costs of these personal injury claims, too.

Property Insurance / Business Owner's Policy (BOP) for Spas and Salons

From scissors and wax heating machines to tanning beds and shampoo sinks, spas and salons rely on a slew of equipment, tools, supplies, and inventory to keep their clients looking sharp and feeling rejuvenated. So when disaster strikes and your property is damaged or lost, what would your business do? The cost to replace all of your gear and repair your shop after a tornado destroys your store would be insurmountable for most startups.

Property Insurance offers an answer for these unexpected situations. When a fire, tornado, or theft damages or robs you of your business assets, your Property Insurance policy offers the coverage you need to replace your gear and repair your storefront. Some policies even include Business Interruption Insurance, which provides income for up to 12 months while you get your business back on its feet.

As a salon or spa owner, your business may be considered low-risk and meet other criteria to qualify for a Business Owner's Policy, or BOP. This policy bundles Property Insurance and General Liability Insurance together at a discounted rate, which means your business will enjoy a wide range of protection against some of your industry's most common claims. Be sure to talk your insureon agent to learn whether your business is eligible for this affordable plan.

Errors & Omissions / Professional Liability Insurance for Spas, Salons, and Personal Care Businesses

href="/small-business-insurance/eo/248" title="Errors & Omissions Insurance for Spas, Salons, and Personal Care Business Owners">Errors & Omissions Insurance (aka Professional Liability Insurance) is an essential safeguard for any business that provides services to its clients. But spas, salons, and personal care businesses especially benefit from this coverage because clients can be very discerning about their appearances—some to the point that they would happily turn to the courts to settle a dispute rather than resolve the issue with you. For example, if your hairdresser makes a mistake while fixing a bride's hair on her wedding day, which causes her to be late for her wedding, your business could be sued for those damages.

In the event that a client does sue your business for professional negligence, providing shoddy or incomplete work, or making mistakes in your services, your Errors & Omissions coverage can cover the legal fees, settlements, and court costs. Even if the claim is meritless, the policy will spare your business from paying out of pocket for an attorney and other costs of appearing in court.

Often, Professional Liability lawsuits quickly accelerate to tens of thousands of dollars in costs, which is why E&O policies are offered in coverage increments of $1 million. To receive coverage, your business will need to have this policy in force when the covered incident occurs and when the claim is filed, so be sure to secure your E&O policy well before you need to use it.

Workers' Compensation Insurance for Spas, Salons, and Barbershops

Workers' Compensation Insurance protects your hardworking employees from the risks they face on the job—from back problems due to standing all day to wax-related burns and allergic reactions to products. When your employees are injured or ill because of the duties they perform for work, your Workers' Comp policy will kick in to cover their medical expenses and foregone wages for their time spent recovering. If your employees sue your business for its failure to provide a safe work environment, your coverage will also fund the litigation costs of defending your business in court.

Depending on where your business is located, you may be required to carry Workers' Compensation, regardless of how few employees you have. Other states have government pools of Workers' Compensation available, too, which may save you money on the premium. Talk to our insurance experts today to determine what your state requires.

Business Protection Tips for Spa and Salon Business Owners

Business insurance offers you a plan of action for situations, incidents, and disasters outside your realm of control. However, there are additional ways you can protect your spa, salon, or person care business (and possibly reduce your premiums!). Here are some helpful tips you can implement today:

  • Protect your employees. To reduce the risk workplace injury, be sure your employees are equipped with proper protective gear (e.g., masks to reduce inhalation of chemicals or dust particles). Because they may stand for extended periods of time, enforce a dress code of comfortable work shoes, too. You'll also want to ensure employees know how to properly operate equipment to reduce the risk of accidents or harm.
  • Stay organized. To avoid confusion or frustration with clients, be sure your salon, spa, or parlor has a systematic way of scheduling appointments. That way, you can be sure you or your employees don't accidentally double-book.
  • Communicate clearly with your clients. Make sure you and your employees keep an open conversation about the services you perform. Clear communication can help reduce the risk of an Errors & Omissions liability claim.

Ready to build a risk management plan your business can count on in times of uncertainty? Complete our all-online application today for competitive quotes in minutes!

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