Beautician Liability Insurance
Liability insurance for beauticians and beauty therapists is one of the most crucial forms of coverage because it protects these type of professionals from some of the most common lawsuits that are filed against them. General liability insurance for beauticians covers your business from any claims coming from the public (customers), employees, vendors and business owners.
The majority of liability insurance policies are designed to pay out when someone sues you for either property damage or medical bills. For example, if one of your clients falls out of the chair while you’re working with them, they might end up pressing charges against you. At this point, your liability insurance policy will kick in and pay out for your legal expenses as well as the lawsuit itself, up to the policy’s coverage limit, of course.
Beautician liability insurance is handled a little differently than it is for liability insurance a full-fledged beauty salon. In the vast majority of cases, independent beauticians can expect to pay a bit less for their liability insurance policies because they see fewer clients per month, reducing the risk of the insurance company.
Public Liability Insurance for Beauticians and Beauty Therapists
Public liability insurance is one of the more common forms of coverage that beauticians opt for because it’s more of a bargain than general coverage. While general liability coverage will protect you from lawsuits originating from additional parties, public insurance protects you from the most likely parties to sue: the public.
Members of the public include any customers that come into your store, though they might also include people working for delivery companies or even people walking through your store premises. Its one weakness is that this kind of insurance won’t cover you from suits filed by your employees.
Public liability insurance for beauty therapists is handled in much the same way as it is for beauticians, and it covers them from the same kinds of incidents. Both property damage and bodily injury lawsuits from the public members (aka customers) are covered by public liability insurance for beauty therapists, though they share the same shortcomings that most public liability insurance policies do. This shortcoming is that the policy will only apply to suits filed against you by members of the public.
However, as general liability insurance for beauty therapists and beauticians covers you from any lawsuits coming from members of the public, but also from employees, vendors and business owners, we strongly recommend GL, as it is mostly affordable enough while providing you with great enough coverage from a broader spectrum of financial risks.
