Beauty, health & wellness professionals face unique risks during their day-to-day operations. They provide specialized services using various products, treatments, and equipment. As a result, there are always risks of liability, third-party claims, and lawsuits alleging injuries or property damage. Beauty, health & wellness professionals also face risks of damage to their property and equipment.
That’s why beauty, health & wellness insurance is important. Insurance Hero works with Canada’s leading insurance companies to bring affordable, competitive quotes directly to you.
What Does Beauty, Health & Wellness Insurance Cover?
There are different professionals in the beauty, health & wellness industry. Beauty, health & wellness insurance covers a broad range of risks, damages, and financial losses that business owners might face in their day-to-day operations.
Here is what a typical commercial insurance policy for beauty, health & wellness business will cover:
- Protection against liability and third-party claims alleging injuries or property damage resulting from the services you provide on your premises.
- Protection for your equipment and salon/clinic against damages caused by an insured peril, such as a fire, theft, or act of vandalism.
- Protection against liability and third-party claims alleging negligence, errors, misconduct, omissions, or failure to deliver services as promised.
- Protection against liability and third-party claims alleging injuries or property damage resulting from the products you use during your services to sell to customers.
What Types of Businesses Require Beauty Insurance?
Anyone that provides beauty, health & wellness services in a commercial property or home studio should consider purchasing beauty insurance.
Some of these businesses include:
- Yoga studios
- Dance studios
- Hairdressers
- Eyebrow and eyelash technicians
- Estheticians
- Nail technicians
- Spa owners
- Skincare technicians
Beauty Salon Insurance
Whether you operate a mobile salon or have a commercial space, beauty salon insurance covers damages and financial losses against claims and liability alleging property damage, injuries, negligence, or misconduct.
It also protects your equipment and other commercial assets. For example, sterilization equipment, customer chairs, registers, and more.
Dance Studio Insurance
Dance studios face many risks from their clients and property. As experts in the field of health and wellness, dance studio owners and instructors are responsible for teaching their clients how to exercise safely. If a client fractures an ankle or sprains a muscle because of improper use of equipment or technique, it could lead to lawsuits.
Having dance studio insurance protects your business against claims of negligence, misconduct, property damage, injuries, and more.
Spa Insurance
Spas offer a variety of services. For example, there are facials, massages, body treatments, saunas, pools, and more.
As a result, there are tons of liability risks. A customer can suffer a reaction from a product used during treatment, someone can slip and fall, and your equipment can get damaged.
Spa insurance protects your business against liability, third-party claims, and lawsuits alleging injuries and damage resulting from your services and damages to your property and equipment.
Tattoo Parlour Insurance
Mistakes can happen when giving a customer a tattoo or piercing. They can react to the tattoo ink, get injured by the needle, or equipment can break down.
Having tattoo parlor insurance protects your shop from the daily operational risks resulting in claims or lawsuits from unsatisfied customers. It also ensures repair and replacement costs if it breaks down because of an insured peril.
Need a Quote on Beauty, Health & Wellness Insurance for Your Business?
Insurance Hero makes it easy for you to get a dental clinic insurance quote.
Whether you want a pre-packaged or custom insurance policy, we work closely with you to find the affordable dental clinic insurance you need to mitigate risks and operate your dental clinic confidently. Visit InsuranceHero.ca or call us at 1-855-777-4376 (HERO).
