Having business insurance is vital for the safety of your business. Many people who work in a spa or own a spa may not realize that having insurance is essential for the safety of their career.
A spa or salon is a service industry, and many clients will expect remarkable service with zero flaws.
On the chance that you or your client in a spa makes a mistake, you need to make sure you are protected.
Salon and spa insurance protects a business and its employees.
There are both professional and general liability insurance programs. You pay a monthly fee (I was shocked at how little it cost!) for the insurance provider to cover your business.
There are 2 types of insurance.
These types of plans help protect a business from clients who claim that the salon owner or worker made a mistake when no mistake was made. Professional liability plans can also help protect a business if they were to accidentally lose a client’s personal information.
People can easily get hurt in any business setting, but especially in salons where tools and chemicals are often used.
Why You Need Salon or Spa Insurance
Accidents and mistakes are bound to happen in any business. Spas and salons are not exempt from things going wrong. Even if all of the workers and owners have excellent training and intentions, they could still mess up. It is essential to be protected.
Sometimes an employee could be following all of the protocols, and things could go wrong.
For example, after giving a client a facial, what if you try a new lotion on their face? Even after double-checking the client’s profile along with the ingredients, the client has an allergic reaction.
You’ve done nothing wrong, but the client doesn’t know that and could still sue you or the salon, due to the distress caused by the allergic reaction.
Hopefully, you will never have to deal with a lawsuit, but it is safe to be smart and get insurance to protect your salon or spa.
Why type of insurance does a self-employed or home-based business need?
You should check with regulations that your city office or health inspector may require. It’s best to buy both.
Professional liability insurance will cover alleged negligence, loss of personal information, defence costs, and claims and damages. There are a lot of situations that occur that would need protection from any of those things.
General liability insurance will cover bodily injury, damage to others’ property and medical expenses. Both types of insurance will help keep your business protected. It depends on your policy provider. They should provide you with a detailed list of what your insurance covers.
Our recommendation for Spa Insurance
Over the years of having this blog, we were able to develop a relationship with a variety of partners. One of our most valuable partners is Hiscox Small Business Insurance.
They provide general and professional liability insurance tailored for service industry professionals. Hiscox offers professional service businesses a new way to buy small business insurance online in minutes.
You can take a look and get a fast free quote by visiting the Hiscox website.
No salon or spa is perfect, and you should expect that mistakes and accidents are going to happen. You should also understand that your business is not perfect. Neither are all of your clients.
Some of your clients may be more understanding when things go wrong compared to others, and you need to be prepared for any circumstance.
Keep your business safe with salon or spa insurance. Paying for the insurance will be a lot better than paying the fees of an expensive lawsuit!
Get a free quote. What’s the worst that can happen?
If you are looking for other business-building information check out our resources page.