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.
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
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.