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Do You Need Off-Premises Hairstylist Insurance?

› Industries › Hair & Beauty Salon Insurance › Do You Need Off-Premises Hairstylist Insurance?

August 17, 2012, by Southern States Insurance

Whether you are a hairstylist who cuts in a salon or prefers to travel as they work. Having the proper hair salon insurance is important. When a beautician travels to cut hair off-site the risk exposure changes. In these circumstances, Inland Marine coverage may be a policy you want to consider.

Our insurance agents may recommend off-premises hairstylist insurance to be added to your policy after assessing the risks. When speaking to an agent it is important to provide all the details of your business to be best covered.
off premises hair stylist working at a wedding venue

When Would I need Off-Premises Hairstylist Insurance?

In every moment you are cutting hair as a hairstylist outside your hair salon you should be properly insured. For example, all of the following circumstances would require adding off-premises hairstylist coverage with Inland Marine Insurance.

  • Cutting hair in hospitals
  • Out cutting hair at an event or fundraiser
  • clients homes

In most cases, this coverage is rare, but if you travel to hospitals, senior centers or someone else’s home added insurance protection is a must.

What Policies To Look For In Off-Premises Insurance

Understanding Insurance policies can be difficult. There are many aspects that go into creating the perfect policy for you and your business. We have listed some basic insurance policies you should look for when shopping for off-premises hairstylist insurance.

Three Policies That Cover Off Premis Hair Stylists

  • General liability

an insured Off-Premises Hairstylist cutting a clients hair in their home
This covers bodily injury, third-party property damage and accidents, and medical expenses. As a mobile hairstylist accidents can occur. It is important to be covered in case a mishap takes place. For example, if a third party gets ahold of your tools and accidentally gets injured.

Professional liability

Professional liability covers you from mishaps that can occur when cutting your clients’ hair. If you accidentally nic their ear or burn them you are covered under this liability policy. Protect yourself from negligence claims, damages, legal defense and, omissions.

Workers compensation

Workers’ compensation covers you from accidental work-related injuries. As an off-premises hairstylist, the risks are even higher. The policy covers you from medical expenses, lost wages, and employer liability

How To Get This Coverage?

As a traveling hairstylist, the last thing you want to think about is wondering if you are protected in case of an accident. Let the experts help you. Our agents can help you better understand what risks you face and pair you with the right coverage. Contact the insurance specialists at Southern States Insurance online or at (888) 971-5657 today.

categories iconHair & Beauty Salon Insurance

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*The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.”

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