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Tailored Insurance for BEAUTICIANS

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Beauty Insurance

 

The beauty industry is all glitz and glam on the outside with lots of serious business on the inside. You’ve dedicated your career to helping people look good and feel great about their appearance, and Hiscox is dedicated to providing you with small business insurance that’s customized to your specific needs. We cover a range of beauty industry professions, including (but not limited to):

 

Barbers

Nail Technicians

Cosmetologists/Beauticians

Small Salon Owners

Estheticians

Spa Owners

Hair Dressers/Hair Stylists

 

 

 

Professional liability insurance

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is coverage for claims against businesses that provide professional and personal services - business like yours. Some examples of the situations that could occur in your beauty business that, if you’re uninsured, could cause significant financial damage:

  • Lost Wages: A hairdresser messes up a newscaster’s hair causing them to miss work. The client sues for lost wages and the incremental cost of having their hair done by someone else. Professional liability insurance (errors and omissions insurance) could protect you if such a claim is made.
  • Treatment gone wrong: An esthetician applies a chemical peel for a client. This client just returned from a vacation where she was in the sun all day. The client’s skin looked fine before the vacation but the extreme sun exposure on sensitive skin caused painful, ugly burns. The client decides to blame the esthetician and sues. Professional liability insurance (errors and omissions insurance) could protect you if such a claim is made.

 

You need to know that you can be sued for negligently performing services, even if you haven't made a mistake. Professional liability protects you in these instances.

 

Learn more about professional liability insurance, or start an easy online quote.

 

General liability insurance

General liability insurance protects you from third-party claims arising from bodily injury (slips and falls), personal injury (libel or slander), and damage to someone else's property. When could general liability insurance come in handy? Here are some examples:

  • Bodily injury:  A nail technician completes a manicure for a client leaving on a cruise and gives her a tube of serum designed to lengthen the manicure’s life. When the client uses it, she develops a rash all over her fingers and has to postpone the cruise. She sues the manicurist. The subsequent claim and related medical expenses would fall within the General Liability coverage, subject to your policy’s terms and limits.   
  • Damage to client property: A cosmetologist gets hired to provide makeup styling on a commercial video shoot. She sets her bags on a shelf, but realizes two seconds too late that the shelf can’t support the bag’s weight, causing the shelf to buckle, and the bag to fall directly on top of a box of expensive props. Your general liability policy should cover the subsequent claim, up to your policy's limits of liability.

 

Learn more about general liability insurance. Ready to proceed? Get a quote!

 

Why Hiscox?

You need professional liability and general liability coverages to watch out for your practice, just like you watch out for your clients. Hiscox is here to do just that.

  •  Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  •  Tailored insurance: Insurance custom - tailored to meet your needs and save you money.
  •  Claims responsiveness: When a covered claim is reported, we will defend you, even if the claim has no basis and, if necessary, appoint an attorney.
  •  Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.  
  •  Trust your choice : 97% customer satisfaction rating and we’re rated ‘A’ (Excellent) by A.M. Best.

 

Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.

 

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered.  Coverage is subject to underwriting and the terms, conditions, and limits of the insurance policy, and is not available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!

866-283-7545

Mon-Fri: 8am - 10pm EST