Shape up moustache. Barber Hair Dresser Insurance - Cost Coverage (2020)

Barber Hair Dresser Insurance Policy Information

Barber Hair Dresser Insurance. If you own a barber shop or hair salon, chances are good that you may at one point see yourself on the receiving end of litigation when an unhappy or disgruntled customer lodges a complaint against you in court. Such was the case a fews years back when a salon was sued by an unhappy client over an alleged botched color job. The woman sued the salon saying that her hair was burned due to dye being misapplied, and as a result, she missed out on work by not being able to perform as a burlesque dancer or to audition for work. Are mustaches in style 2016.

This case, while a little extreme in its claims, is not uncommon. If you work with hair for a living, you can become the target of a lawsuit.

Barber shops cut, trim, and style hair for men, women, and children. They also cut, trim, and style mustaches and beards. There is normally little equipment and no chemical applications other than styling and grooming aids. Services may be offered on a walk-in basis, by appointment only, or both. Barber shops are subject to state licensing and regulations to reduce the possible spread of disease. Each barber must also be licensed. Shops may employ barbers or may rent space to barbers who are independent contractors. The status of the barbers must be determined since it may impact how coverages apply.

Barber hair dresser insurance protects your shop or salon from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.

Below are some answers to commonly asked barber and hair dresser insurance questions:

If you work for a salon but do not own it, you may need separate insurance beyond what the salon owner carries. Talk with an commercial insurance agent to make sure you're personally protected against liability. As a stylist in a barber shop or hair salon, each client you have represents an inherent risk to your financial future without the proper barber hair dresser insurance in place. You are not immune to potential litigation in your job. Even if you face unfounded claims, the cost of defending yourself from a scalp treatment recommendation gone wrong or a cut during a shave can be monumental. The same insurance types that are needed by hairdressers are likewise needed by barbers.

Work with a seasoned agent to find the right level of barber hair dresser insurance coverage for your individual business' particular needs. An commercial agent can access multiple quotes from different insurance companies to get the right level of protection in place for your business.

Hair Dresser's / Barber's Risks & Exposures

Premises liability exposure is moderate due to public access to the premises. Aisles must be adequate and free of hair clippings and debris, no frayed or worn spots on carpet, and no cracks or holes in flooring. The number of exits must be sufficient, and be well marked, with backup lighting in case of power failure. If barbers are independent contractors, any injuries they incur on premises are part of the premises liability exposure instead of workers compensation.

Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. Courts may deem the security of visitors in parking areas as the responsibility of the owner or operator of the premises. Factors affecting the risks include exterior lighting, fencing, and any other security measures in place.

Product liability exposure is moderate if the shop sells shampoo and other items to customers. The exposure increases if any products sold are non-standard, independently produced, or proprietary.

Professional liability exposure is low due to the limited services provided in a barber shop. Because of the large number of customers served, a significant, although easily avoided, risk is the transmission of diseases and vermin such as lice. The absence of simple hygienic practices like hand washing and disinfecting solutions for combs and brushes may indicate a morale hazard. Understanding the contractual relationship between the shop and the stylists is important as it has an impact on who is covered.

Workers compensation exposure is generally limited to minor cuts, scratches, and puncture wounds from scissors and clippers, and repetitive motion injuries. Leg and back injuries may result from standing long hours without resting. Dermatitis may result from ongoing contact with shampoos. Shops with more than one chair may be considered to be multiple sole proprietorships, rather than one business with employees. The contractual relationship between the shop owner and any independent contractors helps determine workers compensation exposure, although regulatory definitions of employee may supersede the contract terms.

Property exposure consists of a small office and the customer service area. Ignition sources include electrical equipment, heating, and air conditioning. If the barber shop is in a converted dwelling, wiring should be up to code and adequate for the occupancy. Poor housekeeping may be a serious fire hazard because hair trimmings are flammable. While most grooming aids are not flammable, some hairsprays and ointments may contain alcohol. There should be adequate ventilation to prevent the buildup of vapors which can ignite. Ownership of personal property may need to be addressed. Professional equipment such as scissors and electric clippers is quite costly and is commonly owned by the employee or independent contractor.

Crime exposures are generally limited to theft of money by employees and others if large amounts of cash are on hand. Background checks should be conducted on all employees and independent contractors who handle money.

Inland marine exposures are from valuable papers and records for customers' and suppliers' information. If employees provide their own tools, there may be employees' tools and equipment exposure. If the barber goes to the client's premises to perform services, there may be goods off premises or in transit.

Commercial auto exposure is generally limited to hired and nonowned liability.

Commercial Insurance And Business Industry Classification

SIC CODE: 7241 Barber Shops

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NAICS CODE: 812111 Barber Shops

Suggested ISO General Liability Code(s): 10113

Suggested Workers Compensation Code(s): 9586

Description for 7241: Barber Shops

Division I: Services | Major Group 72: Personal Services | Industry Group 724: Barber Shops

7241 Barber Shops: Establishments primarily engaged in furnishing barber and men's hair styling services. Barber colleges are included in this industry.

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

What type of business am I running?

What are common risks associated with this industry?

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Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?

Does my state require me to carry this type of insurance?

Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

Business Interruption Insurance

Commercial Flood Insurance

Employment Practices Liability

Environmental or Pollution Liability

Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Additional Resources For Health & Beauty Insurance

Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:

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Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.

Estheticians - are trained to work with clients to treat skin care issues.

Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.

Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.

Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.

Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.

Salons - Similar to spas, salons are offer customers beauty treatments, services and products.

Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.

Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.

Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.

Minimum recommended small business insurance coverage: Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Valuable Papers and Records, General Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyber Liability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.

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