Hair Stylist Liability Insurance
Creating an awe-inspiring look for your clients is one of the best feelings for a hairstylist. Whether you are performing a dramatic cut or just a trim, you get to help your clients look and feel their best. Though you have all the skills and tools to create incredible hairstyles, there is still another tool to add to your list. Though it may not be the first thing that comes to mind, hair stylist liability insurance is one investment every hairstylist should make in their career.
What is Hairstylist Liability Insurance?
Hairstylist insurance helps protect you against a lawsuit or a liability claim against you. The beautician insurance from NACAMS offers extensive coverage to protect your personal assets in the event of a liability lawsuit.
Though a liability claim is not the first thing you may think of when becoming a hairstylist, it is a definite possibility over the course of your career. Because you work closely with your clients, often using instruments or products on their hair, there is some inherent risk involved. This risk could leave you liable should an unfortunate incident occur while a client is under your care. That is why insurance for hairstylists is so important.
Professional
1 Year (12 mo)
$179
pro 2-year
2 Year (24 mo)
$279.95
Types of Liability Coverage
NACAMS’ hairstylist insurance covers professional and general liabilities, product liability, and additional coverages. Each one of these liabilities refers to a different aspect of your career and potential claims against you.
General Liability
General liability is an essential part of beautician insurance. General liabilities are occurrences that are not directly related to your work as a hairstylist. This would include incidents like slips, trips, and falls.
Here is a potential example of a general liability claim:
You have just finished washing a client's hair before a cut. As they stand up to move to your station, they slip on some water that spilled during the wash. As they fall down, they hit their head on the hair washing bowl and then hit the floor hard. This fall causes them to sustain both a head injury and a broken arm. They need immediate medical attention, and you call an ambulance to take them to the hospital to treat their injuries.
Coverage Details
Professional Liability
While general liability refers to claims that are not directly related to your occupation, professional liability refers to claims that are a direct result of your profession as a hairstylist. Professional liability claims would include injuries such as burns, cuts, and other related incidents. As your profession involves the constant use of sharp objects and equipment that uses heat, there is ample opportunity for an accidental injury.
Let’s look at an example of when professional liability insurance might be necessary:
You are giving a client a trim using scissors. While snipping, you fumble a bit and cut your client’s ear. The cut is deep, and they need to go to an urgent care center where they have to have stitches. Once your client has received treatment, they contact a lawyer and sue you for the cost of their medical treatment, their lawyer fees, and the pain and suffering caused by the injury.
The cost of this lawsuit can add up quickly and potentially put you in a difficult situation financially. Professional liability hairstylist insurance would help cover the expenses of the liability claim so that you do not have to pay it out of your own pocket.
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Protect Your Items and Equipment
NACAMS includes Product Coverage, Rental Damage Insurance, and Stolen Equipment Insurance with our General and Professional Liability Coverage. These cover any claims made against products you recommend to your students, damage to rental equipment, and your theft of your business equipment.
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Product Liability
As a stylist, you are going to use products on your clients each and every day. Product liability refers to incidents that are directly related to the product you use on your client's hair. Common product liability claims include bad reactions to shampoos, coloring agents, or conditioners. As you use these types of products on nearly every client, product liability coverage is a vital component of beautician insurance.
Here is an example of an incident where you might need product liability insurance:
You are finishing up on a client’s cut and style, and you use hairspray to hold it all together. Unbeknownst to your client or yourself, the hairspray you use has natural coconut ingredients. Your client is allergic to coconut and has a bad reaction when you use the hairspray. They start to have difficulty breathing and begin gasping for breath. Fortunately, your client carries an EpiPen and injects a dose to counteract the allergic reaction. They go to the hospital to ensure that they are alright.
Once they are released from the hospital, your client calls their lawyer to file a claim against you. They demand that you compensate them for their medical treatment, the cost of the EpiPen, and their lawyer fees. In this incident, product liability coverage would help cover the expense of the liability suit and keep your resources protected.
What NACAM Hairstylist Insurance Covers
The protection from liability claims is not all that NACAMS offers as part of their insurance for hairstylists. As part of your policy, you receive coverage for loads of other circumstances along with some truly incredible benefits. Some of the additional coverage includes:
- Rental property protection: There are a lot of hair stylists that rent the space in which they run their business. Did you know that if an accident causes damage to the rental property or booth space, your landlord could hold you financially responsible for the cost of repairs? That is what NACAMS includes up to $100,000 of coverage for rental property damages.
- Stolen/damaged equipment: If your equipment is stolen or damaged during an incident, NACAMS offers up to $1,000 to replace it with a $250 deductible.
- Identity theft protection: In the online world of today, you can reach new clients and advertise your business on a wide variety of platforms. Unfortunately, this puts you at risk from malicious online predators. NACAMS offers protection and coverage for up to $25,000 to recoup losses from identity theft.
All About the Benefits
NACAMS offers some stellar benefits for their hairdresser insurance policyholders. We understand how hard you have worked to become a hair guru and feel that you should be rewarded. The outstanding benefits you receive with your hairstylist insurance coverage ensure that you are pampered and cared for just like you deserve.
These policy perks include:
- Free stuff: Everyone loves freebies. We include a free subscription to Beauty Magazine and a free membership to PBA with your policy.
- Professional website: NACAMS will help you develop a free professional website where you can advertise, engage clients, and promote your services.
Nicole, January 17th 2020
Cost of Hairstylist Insurance
As an investment in your career, insurance for hairdressers is a valuable asset. We offer several different payment options for the same fantastic coverage. On our professional policies, you have the option to pay a lump sum or in monthly installments over 12 months. These payment options include:
- $179 for one year of coverage: You can choose to have coverage for one year at a time. We offer flexible payments where you can pay $179 either in monthly installments or as a one-time payment.
- $279.95 for two years of coverage: You also have the option to get two years' worth of coverage at a time. You can pay in a single payment or monthly over 12 months.
- $55 for students for the first year: Even if you are still learning your skills as a student, you could be held liable for an unfortunate accident. That is why we offer a student rate of the same coverage for a one-time payment of just $55.
Get Instant Coverage Today
Insurance for hairstylists is something every beautician should have in their back pocket. Not only does it protect your financial resources, but it gives you the confidence to know that you are covered should something go wrong. Our application process only takes a few minutes, and the coverage begins right away.
You can get covered today and know that NACAMS has your back for any liability claim. Get hairstylist liability insurance today and protect your financial future.