Perhaps you feel pretty confident that nothing bad can happen from an afternoon spent giving manicures and pedicures. And maybe you're right. But is this the case if you give an eyebrow tinting treatment? You might think so—until a woman discovers she's allergic to the product you used. In any line of business, things go wrong. Cosmetology liability insurance prepares you for these things. And with coverage broad enough to also cover your equipment and more, cosmetologists insurance keeps your business running strong.
Your Business Assets
Quite often, you'll have expensive inventory in your salon. It could be electrolysis equipment, products for coloring that cost quite a bit per bottle, or the comfortable chairs where your clients sit. If a fire, a storm, or a vandal destroyed any of this, you'll have to pay a lot to replace it unless you have adequate cosmetologists insurance. If you own the building, you'll also need coverage for the structure. But even for a lease, your policy can pay lost income while the building is inoperable, which makes a property policy indispensable.
The Right Cosmetology Liability Insurance
Because there are a lot of different treatments you and your employees give, there are a lot of things you need cosmetology liability insurance to cover. Start with injuries to the clients. Even if they get hurt from something they do, if it happens in your business, you could be responsible. An elderly woman could fall for example, and you don't want your assets to be at risk in a lawsuit. Cosmetologists insurance makes sure you're safe from medical costs or legal fees.
Cosmetologists Insurance for Products
You didn't make the electrolysis equipment you use, did you? Most likely you didn't, but anything you use entails a certain amount of responsibility. And while you'll have to use these products responsibly, cosmetology liability insurance will protect you from their unexpected adverse effects, such as skin damage or malfunctioning equipment. A broad liability policy is always affordable when you shop around for cosmetology insurance.
Your Staff and Cosmetologists Insurance
For all the employees working in your salon, the manicurist to the experienced beauty technicians, you'll need cosmetology liability insurance to cover their actions at work. Rather than risk your assets for one of their mistakes, let your insurance handle the problems. At the same time, you need to protect yourself in case one of them gets injured. Workers' compensation is not only a smart investment, but it's also probably required by law by your state.
The Perfect Choice
All of this coverage will keep your cosmetology business running smoothly. And it will come at the right price, too, if you compare quotes and learn who offers you the lowest premium. Use NetQuote.com to find the low quote in minutes. This service is free and fast. Since it saves you money, and covers everything in your business operations, it's really the perfect choice.
See how much you could save today on your insurance. Get your free business insurance quotes today!