Are you an independent contractor or a chair renter working in someone else’s hair salon? Do you work in your home or have a mobile hair styling business? If so, you’re in the right place (btw, if you’re a salon or spa owner, please go to the Salon Owner
There is one BIG difference between being a hair stylist and other types of businesses – you are a professional! That’s not news to you, but most regular business insurance policies ignore it. Not PROtique – our hair stylist insurance policy is styled by professionals for professional stylists!
Hair Salon Insurance
Like any other beauty care business, hair salon owners need insurance to protect them against claims or they run the risk of losing their business. Over the years, PROtique has worked with many home based and small business owners in the beauty industry. Our expertise in providing insurance coverage for beauty care professionals helps us to provide affordable insurance for your hair salon business.
Situations may arise in your hairdressing business which is beyond your control and you need to safeguard yourself against these unforeseen situations. The hairdresser insurance protects you against liability that may arise in the course of your business. It also protects your business from damage to your property.
Here are the types of services we cover for you:
- All Hair Styling Services
- Eyebrow & Eyelash Tinting
- Make-Up Artistry – excluding permanent makeup or tattooing
- Pedicures – excluding cutting or removal of corns, bunions or ingrown toenails
- Relaxation Massage
Coverage Extension Available for:
- Advanced Cosmetic Procedures
- Body Wraps
- Ear Piercing
- Eyelash Extensions/Perms/Lifts
- Electrocoagulation (for skin tags, spider/thread veins, milia, ruby points)
- Electronic Muscle Stimulation (EMS)
- Gel & Acrylic Nails
- Glycolic Peels – maximum 30% AHA content
- Green Peel
- Laser, IPL & LED Services
- Micro-current Skin Treatment
- Micropigmentation & Microblading
- RF/Radiowave Skin Treatment
- Skin Needling
- Spray Tanning
- Tanning Beds
- Teeth Whitening – product must be manufactured in North America
- Ultrasound Skin Treatment
PROtique™ Masterplan Key Coverages
Click on in the table for more information
Protects against lawsuits alleging your service or advice caused injury or loss to a customer. For example, this is designed to defend you if a customer has an allergic reaction or is burned by a product used in their hair.
Includes replacement cost coverage for tools, equipment & stock owned by your business while it is on the premises of your business, plus any renovations or leasehold improvements you are responsible for. Broad, multi-peril coverage is provided – in other words, the policy protects you against a wide variety of things that could damage your property such as fire, theft, and vandalism and sewer backup among others.
Protects against accidental injury to others, or accidental property damage. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your spa.
This is a package of various coverages included on all PROtique Masterplan policies. It is designed to maximize your protection by covering gaps that often arise unpredictably after a claim.
Covers lost profit and pays for necessary ongoing expenses if your salon business is interrupted or closed due to a property damage claim. For example, if your hair salon suffers extensive water damage after a storm and you’re closed for 2 months while it’s repaired, the policy will reimburse you for the profit you’ve lost and it will pay for necessary operating expenses that continue even while you’re closed, such as your salary and loan payments.
Coverage is also included for extra expenses you incur to avoid or minimize the interruption of business after a claim. For example, if your hair salon suffers extensive damage after a fire and you’re closed for 3 months, this coverage can be used to cover the costs of relocating your business and advertising to let your customers know where to find you.
This insures your electronic equipment (or your electrical panel, wiring, air conditioner) against damage from electrical disturbances (like power surges and brown outs) and mechanical breakdown, and more importantly, it covers the lost profit and necessary ongoing expenses (like your salary) if you’re closed due to the equipment breakdown. Many commercial leases require you to carry this coverage. You can find out more info about the coverage at www.protique.ca/equipment-breakdown-insurance
to help determine if it’d be beneficial for you. Note that this coverage is automatically included on some policies.
These 2 benefits help to pay for expenses incurred for you to establish the amount of your loss after a claim and to prepare the Proof of Loss form that you’re required to submit before a claim can be paid. For example – your business is shut down for a month to clean up after the sewer backs up into your salon after a storm. You will likely need to hire an accountant to establish how much profit was lost while you are closed before you can be reimbursed by the insurance company.
All coverages are subject to the limits of insurance purchased and the usual Terms, Conditions, Exclusions and Warranties of the underwriter, Intact Insurance. Deductibles may apply to some of the listed coverages. More detailed coverage information will be provided with your quote.