Insurance for Personal Care Businesses
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Insurance for Personal Care Businesses

When customers come to your personal care business, they expect big things. They're hoping for a haircut to feel more confident, a facial treatment to feel refreshed, or a massage to feel more relaxed. In addition to working your magic, you're also a small-business owner. And that means you need to have a plan for unexpected expenses that might come from:

  • Lawsuits.
  • Slip-and-fall injuries.
  • Workplace accidents.

Small business insurance offers financial protection for these risks. Insureon's personal care insurance experts can help you navigate the insurance requirements for a variety of personal care businesses, including…

Here are some common business insurance policies that can benefit your personal care business.

General Liability Insurance / Business Owner's Policy

With customers coming and going for appointments, many personal care business owners choose to invest in General Liability Insurance. This policy may cover third-party lawsuits over:

  • Slip-and-fall injuries.
  • Property damage.
  • Wrongful death.
  • Advertising injuries (e.g., libel, slander, and copyright infringement).

For reference, a third party can be anyone who doesn't work for your practice. That includes customers, vendors, and visitors.

So how does this policy work? Say you just finished shampooing a customer's hair. When they get out of the chair, they slip on some water and fall. General Liability Insurance can cover their medical costs. It can also pay for your legal expenses if they sue you over the injury.

This policy won't cost you an arm and a leg, either. The typical personal care business owner pays about $425 a year for a General Liability policy. That's only about $35 a month. 

You can also get this coverage through a Business Owner's Policy (BOP), which bundles General Liability with Commercial Property Insurance. Property Insurance can pay to repair or replace you property when it's lost or damaged because of:

  • Fires.
  • Vandalism.
  • Theft.
  • Certain weather events listed in your policy.

So if someone breaks in and steals your hair care products, you can draw on your BOP to pay for replacements.

Professional Liability Insurance

Professional Liability Insurance, also known as Errors & Omissions Insurance, may cover lawsuits over professional mistakes. For a nail salon, spa, or massage therapy practice, this can include…

  • Making a mistake during a beauty treatment.
  • Messing up a haircut.
  • Causing an injury during a massage.

For example, say your salon specializes in wedding styles. What happens if a bride claims you messed up her haircut for her wedding? Or say you're a massage therapist. What happens if your deep tissue massage ends up injuring a marathon runner? If you're sued over professional mistakes, Professional Liability Insurance may cover your legal expenses. Most personal care business owners typically pay around $500 a year for this policy (or about $42 a month).

Some Professional Liability policies may cover lawsuits over nail infections, scalp burns, and other injuries that your customers sustain as a result of your services. But your General Liability Insurance may also cover these lawsuits because of its third-party injury protection. Talk with your insurance agent to see which coverage fits your business.

Workers' Compensation Insurance

Most states require small businesses and salons to have Workers' Compensation Insurance. These insurance requirements vary from state to state. You can verify your responsibilities as an employer with Insureon's state guide to Workers' Comp laws.

Workers' Compensation Insurance (also called Workman's Comp) can help salons, spas, and other personal care businesses pay for workplace accidents or injuries. If an employee is injured on the job, Workman's Comp may cover their…

  • Medical bills.
  • Lost income.
  • Death benefits.

Wet floors, sharp scissors, and tangled extension cords on the floor could all lead to major accidents and costly Worker' Comp claims. But with appropriate coverage, you can protect both your business and your employees.