No matter how careful you are as a beauty salon owner or independent contractor, accidents still happen. And when your clients sustain injuries, they can sue you. Beauty salon insurance helps you protect your business and your finances when things go wrong. AmVenture Insurance Agency, Inc. offers insurance options designed around the needs of beauty salon businesses, like yours.
Whether you are a beauty salon owner or a beauty professional renting a space at a salon, you dedicate your time to helping people look and feel their best. But no matter how careful you are, things can still go wrong. Clients can get hurt. Inventory can be damaged or lost. People can file lawsuits against you. Without the financial support offered by a strong insurance policy, you may find it difficult or impossible to stay in business.
Beauty Salon Insurance from AmVenture
At AmVenture, our agents appreciate the unique qualities beauty businesses. Our goal is to find insurance coverage that helps protect your existing operation. We know the most common risks salon owners and professionals face, and the products we offer are designed to help protect you from those risks. You work hard at what you do. We work just as hard to protect your interests.
People unfamiliar with the salon business might be surprised at all the ways that accidents, injuries and damage can occur. The most highly-trained and best-intentioned professionals still make mistakes, which can lead to angry clients who may take legal action. Both salon workers and customers can be injured in the salon or outside of it. And your supplies, inventory, equipment and building can all sustain damage in a variety of ways.
Beauty Salon Business Insurance Options
There are a variety of insurance options we offer at AmVenture for beauty salon businesses, including:
It is always nice to save a little money on your insurance, and a businessowners policy (BOP) is designed to do just that. By combining a general liability policy with a commercial property policy, you can expand your coverage, typically while paying less than you would for both policies on their own.
- General liability insurance - As the name implies, general liability insurance is a general policy designed to cover the most common liabilities faced by businesses. It can provide financial coverage when your business or employees injure a third party - like a client. It can also protect against damage your company does to the property of a client, such as damaging clothing or accessories. Equally important, it can cover damage caused by the products you use.
- Commercial property insurance - Your commercial property is valuable. Between your salon equipment, your building, and the products you carry, you have made a big investment. Commercial property insurance is designed to cover that investment.
Cyber crimes, such as identity theft, can do real damage to your business. If your company is the victim of a cybercrime - like the theft of your clients' financial information - then you could be sued. Cyber liability insurance can help offset the financial damage that results.
Get Your Beauty Salon Liability Insurance Quote
The best way to understand your salon liability insurance options is to speak with one of our insurance agents. Please contact AmVenture now to get your free quote!