Hair salons and beauty spas often have professional insurance in place to cover their premises and assets, as well as any personal injuries that may occur during the day-to-day running of their business. This covers all staff and visitors, making sure the salon is financially covered in the case of lawsuits or any other legal disputes.
However, what if you are self-employed? If you are a hairdresser, nail technician or any other kind of beauty specialist working for yourself, you won’t have the financial protection of a salon’s insurance policy. This is why you need to consider taking out your own liability insurance policy, offered by most insurance brokers as tradesman’s liability insurance.
The following are a number of examples of claims that could be brought against beauticians and hair-dressers:
• The chemicals in the products you use (i.e. hair dye) could cause the client to sustain burns or have an allergic reaction. If you haven’t followed the proper safety procedures – skin allergy tests, protective clothing – you could be sued for negligence and have to pay out compensation on a personal injury claim.
• A slip of the scissors whilst cutting a client’s hair could potentially cause an injury. This could also result in you having to pay considerable sums in compensation, even though it was an accident.