In 2013, NYC burlesque dancer Diane Yost sued Manhattan's John Barrett Salon for $150,000 after a botched dye job. She claimed the burning of her hair with mis-applied hair bleach kept her from important performances and auditions, and caused mental anguish. While this might sound extreme, this scenario could happen to any hair dresser and barber, even if you don't have famous clientele.
If you work as a hairdresser or barber, your clients depend on you to help them look and feel their best. No matter how methodical or careful you may be, accidents can happen. Whether you are at fault or not, a dissatisfied customer may file a claim against you, costing you hundreds of thousands of dollars. You can protect your assets, savings, and future earnings with the right hairdresser insurance or barber insurance.
A claim from a dissatisfied or injured customer could be enough to wipe out your savings and assets, perhaps even your business. Even if the court recognizes that you are not at fault, the cost of your legal defense alone can be financially devastating. Spending a few hundred dollars per year on a comprehensive hairdressers or barbers insurance policy could be a wise decision, compared to what is at stake.
You work closely with your clients to help them achieve the look they want. Occasionally, a client may ask for a change, and hate the results. In rare cases, a dissatisfied client might decide to file a lawsuit against you for emotional distress. In addition, many of the tools you use have the potential to cause injury to clients, such as curling irons, scissors, hot wax, and chemical treatments. A slip of the hand or a product malfunction could lead to an accidental injury and a claim against you.
A lawsuit could cost you your savings, assets, and future earnings, maybe even your job. You can protect your financial future with the right hairdresser liability coverage. Your hairdresser insurance policy should include the following:
If you receive a paycheck from a salon, you may already have some of the coverage you need, but often salon coverage is built to protect the salon, not the hairdresser.
As a barber, you probably serve a regular clientele, the majority of whom are male. Like hairdressers, barbers provide hair coloring, cutting, and styling. Unlike hairdressers, barbers are licensed to use a razor and provide shaving and beard grooming services. Barbers also sometimes recommend chemical hair and scalp treatments to their clients.
No barber is immune to litigation. The friendliest customer may decide to sue if he feels he has lost a job opportunity or experienced humiliation because of an undesirable haircut. Even if a claim against you is completely unfounded, you may still have to pay hundreds of thousands for your legal defense.
With the following barber liability coverage, you can head off the financial disaster of a lawsuit before it begins:
Coverage starts as low as $200 per year, and can protect you from millions in litigation losses.
If you depend on your homeowners insurance to cover your in-home hairdresser or barber business, your finances and your home could be at risk. Most homeowners policies do not cover home businesses. If a client accidentally slips on your front steps and suffers an injury after a haircut, your homeowners insurance cannot protect you from the resulting lawsuit.
Usually you can purchase in-home business insurance as an inexpensive rider to your homeowners policy, or as a separate policy. Your in-home business policy covers:
You can choose from several hairdressers insurance carriers and barbers insurance companies that provide the liability coverage you need. The trick is finding the right match for your needs and your bottom line.
Getting the right coverage requires you to:
You can utilize lawyers, accountants, and independent insurance agents to get an unbiased view of your business, which can help you weigh your options and make a good choice.