beauty and bodywork insurance
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Beauty and Bodywork Insurance

Getting coverage with a beauty liability insurance policy is fast and easy. Get the valuable coverage you need to protect your equipment and the services you provide your customers.

As a beauty professional, you have a uniquely-fulfilling job. You help people look and feel their best. You work hard, and it’s our job to protect you from things that might threaten your success. In any line of work, accidents happen and the risks double for people who are self-employed. Don’t let your hard work go to waste. Protect yourself and your beauty or bodywork business with the right beauty insurance coverage.

 

Why do I need beauty insurance?

Beauty insurance protects you and your livelihood. As an independent chair or booth renter, defending a liability claim can be expensive, costing thousands to hundreds of thousands of dollars. Without professional beauty and bodywork insurance, you could risk losing your hard-earned business, future earnings, and your reputation. Your credit score could go down, making it harder to get back on your feet.

 

What kind of insurance is best for beauty and bodywork professionals?

What coverage do I need?

  • Professional liability insurance- This insurance will cover any potential risk that comes with your profession. If, for example, a client who is cut or burned during styling seeks damages from you for a bodily injury or emotional distress claim, professional liability insurance will protect you.
  • General liability insurance-  All small businesses should have general liability insurance. This insurance will protect you if anyone is injured because they tripped over your chair or one of your cords. It will also cover property damage if, for example, you spill hair dye on a client’s expensive suit or designer handbag.
  • Business personal property insurance- Even though you rent, you have equipment, tools, and supplies to cover if there's a fire or other covered loss.

 

Do booth renters and chair renters need insurance?

Yes, booth renters and chair renters in the beauty industry need booth rental insurance! In fact, many owners of rented space at salons or booths require you to have it. Renting a chair or booth puts you at risk for the same types of incidents that affect salon owners. As an independent contractor, you need to protect yourself and your business with insurance for salon booth renters.

 

Why choose West Bend for your beauty insurance?

With an insurance policy from West Bend, you'll have the valuable coverage you need to protect your equipment and the services you provide your valued customers. And getting that coverage is fast and easy!

West Bend's insurance program for the beauty industry provides all the coverages you need and the best services available. West Bend’s mission is to provide peace of mind to our customers through sound insurance and superior service. Your satisfaction helps determine our success.

 

The right coverage at the right price

Most policies are less than a dollar a day. You receive invaluable protection for yourself, your business, your equipment, and your reputation!

You’ll get:

  • $1,000,000 per occurrence or $3,000,000 in aggregate coverage for businessowners liability coverage.
  • $5,000, including equipment breakdown, for businessowners property coverage.

 

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