Hairdressers & Barbers Insurance

Hairdressers & Barbers Insurance Ontario

What You Need to Know About Hairdressers & Barbers Insurance

Most of us look forward to going to the hairdresser. Whether it’s for a trim or a total hair makeover, we always feel our best after leaving. Every day, customers place their trust in their hairdressers and barbers, and it is their responsibility to offer them a safe and comfortable experience. Nevertheless, even if you take every safety measure, your business could still be subject to accident or personal injury lawsuits. This is when a comprehensive hairdressers & barbers insurance plan is crucial.

Standard commercial insurance policies cover most dangers that your company will encounter. However, specialized hairdressers & barbers insurance is designed to address the particular risks and variables that salons and barber shops face. Our insurance specialists at Insurance Hero know the correct questions to ask to make sure you obtain the precise coverage your company needs. We promise to locate the most affordable, comprehensive insurance coverage for you when you work with us.

Insurance Coverage Options

The secret to great hairdressers & barbers insurance is designing a plan that offers precisely the type of security that your company need. Since every company is unique, you should carefully consider several coverages while assembling your customized insurance plan. No matter if you have a hair styling chair in your home basement or if you run your own hair salon, you deserve to know that your business is safe.

What is hairdressers & barbers insurance?

In essence, hairdressers & barbers insurance is an insurance portfolio created specifically for hairdressers & barbers to protect their business against risks specific to the profession, like damages, losses, negligence, and accidents. It is specially made to guard against risks related to offering hairdressing services, such as accidents and injuries involving tools and treatments.

What does it include?

A standard hairdresser & and barbers business insurance typically incorporates multiple insurance coverages, with the most common ones listed below.

Commercial General Liability Insurance

With this coverage, you are protected from lawsuits brought by third parties alleging physical injury or property damage while at your place of work (such as an office or salon). It helps pay for things like medical expenses and legal defence. This insurance also covers reputation and advertising damages (e.g., slander, libel, copyright infringement).

Professional Liability Insurance

Also referred to as errors and omissions insurance, this coverage shields your business and any staff from the financial risk of client allegations of inadequate work or negligence. It includes:

  • Errors, mistakes and oversights
  • Failure to meet deadlines
  • Failure to deliver your product to a customer
  • Professional negligence
  • Failure to meet a standard of care
  • Breach of contract

Commercial Property Insurance

Your salon or barbershop and the items inside it (such as furniture, equipment, supplies, etc.) are protected by commercial property insurance, which helps cover financial losses resulting from such risks as:

  • Property damage due to natural disasters, flood, fire, vandalism or theft.
  • Property damage or theft of electronics, equipment, company documents or employees’ personal belongings.
  • Inventory theft by employees.

As an added benefit of commercial property insurance, you can expand your policy to include business interruption. It helps to reduce recurring costs like bills, employees’ wages, etc., during a time of lost income if you become ill or injured and must temporarily close your business.

Product Liability Insurance

It’s extremely common for hair salons and barber shops to sell hair products to clients. Should a client purchase a new hair product that ultimately damages their hair, you could find yourself facing a lawsuit. With product liability insurance, you are protected from client lawsuits alleging that a product you make, distribute, or sell caused property damage or physical harm.

What other coverages should you consider adding to your insurance policy?

Cyber Insurance

If your customers’ personal information is stolen or released as a result of a data breach, cyber and privacy liability insurance can protect your company by paying for damages and legal claims.

Business Insurance – Home-Based

It’s become more and more common for hairstylists to work out of their home. However, you must notify your insurance provider if you operate your business from home rather than a separate workplace, such as a salon or barbershop. Even if they take place within the home, business-related mishaps or losses are not generally covered by standard home insurance.

Auto Insurance – Business Use

Some hairstylists don’t have a physical office; instead, they visit their clients at home. These hairdressers or barbers must inform their insurance company that they will be driving for work-related causes. Most likely, you can include this in your own auto insurance plan.

Employment Practices Liability Insurance

This policy is beneficial if you own your own salon or barbershop. With the help of this policy, your company will be shielded from claims and legal action brought by employees who believe their rights have been infringed upon. You are protected from work-related claims such as, but not limited to, the following:

  • Wrongful termination
  • Discrimination
  • Gender issues
  • Sexual harassment
  • Violations of leave laws
  • Accessibility 
  • Performance review/promotion disputes

Why do hairdressers & barbers need insurance?

For starters, it safeguards your hair salon or barber shop and its belongings by paying for insured damages, including fire, theft, vandalism, and water damage. Another benefit is that it defends you and your company in the event of a lawsuit.

For example, should a client slip on some loose hair on the floor inside your hair salon/barber shop, fall, and injure themselves, they could file a lawsuit against the business. Another example could be if a hairstylist gave advice to a client, such as recommendations for certain hair products to use, but the product burnt the client’s scalp, the hairstylist could suddenly find themselves facing a lawsuit. 

Lawsuits and building repairs can be incredibly expensive. If you had to pay for them out of pocket, it could lead to financial devastation and even the closure of your business.

How much does hairdressers & barbers insurance cost?

There isn’t a standard rate for hairdressers & barbers insurance because there are many variables insurance companies need to take into account. The following are some of these variables:

  • How many employees you have
  • What services you provide
  • Your annual and projected revenue
  • How much training you/your employees have
  • How much experience you/your employees have

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As your local insurance heroes, let us review your business’s unique requirements to help you get the best hairdressers & barbers insurance possible!

For reliable, affordable Ontario hairdressers & barbers insurance, please request a quote online or call us at 1-855-777-4376. Our team of insurance heroes is happy to answer any questions you have!