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Florida Salon Insurance & Barber Insurance
If you are the owner of a salon, barber shop or beauty establishment you already have first hand experience that you are dealing with a huge number of people every day. Every client that walks through your doors could turn into your worst nightmare…
There is a lot that goes into beauty treatments and even if you do your best make sure you have minimize the risks, accidents still can and do happen. Color treatments do not always go according to plan, after all you are mixing chemicals. Serious skin damage and even permanent scarring are possible. Clients can slip and fall on a wet spot from the shampoo station.
Scissors and razors are sharp tools and who’s never nicked themselves while shaving? For all of these reasons and more, it is important to have the right insurance coverage, whether that’s beauty and salon insurance or barber shop insurance. If you should ever have the misfortune of being involved in litigation, you want to be sure your salon insurance covers not only the cost of any medical treatments and hospitalizations, but also the cost of the lawsuit and all litigation.
As a salon business, you are required to provide services that are of reasonable care and skill. The goods and products that you purchase for your business also need to be of reasonable quality and standard. Even in case you do this, there is always the risk that something can go wrong. In the case that something does go wrong and your client is affected adversely, you can end up with a really huge compensation claim that you are unable to afford.
Attempting to pay a large claim from your day to day revenue can really affect your operations and in some cases it may force you to shut down your business. This is something that you don’t want happening to you as it can be quite a long shot trying to get back in business. The reputation of your brand will also be affected as people will be hesitant to work with you. Even if these problems cannot be prevented by having insurance, it can really help to protect you financially from the consequences of such events.
Here is just a glance at the coverage you stand to gain with salon insurance. It is important when you are looking to purchase an insurance policy that you know exactly what is covered in your salon or barber insurance. Having a policy that takes care of the unforeseen events and accidents that may take place at your salon will allow you to focus on your clients and providing the best service possible.
Public Liability Insurance: In the event that a customer gets injured in the course of their beauty treatment or haircut, public liability insurance is designed to protect you against possible claims. Injuries can be quite extensive at times requiring hospitalization and even in some cases, plastic surgery. This coverage applies to everyone who happens to be in your establishment. For example, supposing that an electrical fault in one of your pieces of equipment causes an explosion.. The damage that can be caused by this explosion can be quite extensive and hurt a lot of people. You might be held responsible for the injuries and you might be required to foot the cost of treatment and hospitalization until you can prove no fault. But remember that even proving innocence or ‘no fault’ can be costly.
Employers’ Liability Insurance: As required by most State law, you need to protect your staff with employer’s liability insurance. In case a member of your staff gets ill or injured as a result of working for you, they will probably claim compensation. Injuries at the workplace can be due to any number of reasons that are beyond your control such as chemical burns and electrical faults. Having this coverage also takes care of any legal expenses that may be associated with such a claim.
Insurance also covers your equipment and place of work. Supposing a storm comes and destroys all the expensive equipment that you use at work, you will be at a huge loss if you are not insured. Getting back up on your feet will take a lot of time and you will have lost a lot of revenue in the process. However, when you are properly insured, you have the peace of mind that no matter what may happen to your business, you stand a chance of getting your business back on it’s feet without having to spend your personal money as the insurance will take care of it all.
Keep your business running even in the face of disaster with salon insurance. It only takes one accident to lead to serious lawsuits for your business and even force you to close down if you are not properly insured or have unknown gaps in coverage. You should not take chances with your salon business but rather let Best Rate Insurance take a look at your current policy and suggest the best protection for your salon or barber shop.
You can get a free quote for us right away and see how the insurance policy will be of benefit to your business. You are under no obligations to purchase a policy once you have requested a quote so you have nothing to lose. We are always ready and willing to help you with any questions you may have so get a free quote right away and get started with the right insurance for your business.
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