Auto Service Plus
Excess & Surplus
Small Business Owners
Small Business Owners
Small Business Owners
State Disability Insurance
Commercial Auto Insurance
Auto Service Plus
Specialty Risk Coverages
Life at AmTrust
Workers’ Compensation Coverage for Hair Salons
It takes time to create the ideal hair salon, find a talented team of stylists and attract a loyal client base. Once you've turned your dreams into reality, it's vital to protect what you've built. As a salon owner, safeguarding your small business means having the right insurance coverage for your employees.
If one of your employees sustains a work-related injury or illness, your salon needs the right level of
workers' compensation insurance
to stay protected. Mandated by law in most states, this insurance generally helps to shoulder the financial burden of an employee's medical and disability expenses, rehabilitation services and even lost wages. Workers' comp can also provide your business with immunity in the event of a lawsuit for the injury or illness in question.
Protecting Your Valued Employees with the Right Small Business Insurance
Your stylists work tirelessly to give their clients beautiful haircuts, perfect up-dos, and sleek blowouts. But inside this sophisticated setting, it's vital to acknowledge the risk factors at play. While creating their masterpieces, your staff likely wields sharp scissors and hot equipment like hair dryers and straighteners, and they also use styling products that might cause an allergic reaction or skin irritation. Hair salons can face a higher risk for slip-and-fall accidents when hair clippings, shampoo spills and water pile up between cuts and cleanups. As a salon owner with employees, you may want to consider or even be required to carry workers' compensation insurance to keep your business protected.
Coverage for Work-Related Illness or Injury
If an employee sustains a work-related injury or illness, your hair salon's workers' compensation policy can step in to help. If their health condition is critical, the medical bills and hospital expenses can be astronomical. Without workers' compensation, the financial burden could fall on your business. In general, workers' comp for hair salons can help cover these expenses and can either prevent or help respond to an employee filing a legal claim against your salon. This insurance may also assist in the event of long-term or permanent disability.
Coverage for Vocational Rehabilitation
It takes years of training and mentorship to become a qualified hair stylist and gain a loyal clientèle of salon patrons. To help ensure your employees don't lose their careers after an accident, vocational rehabilitation assists in retraining lost skill sets and accommodating any physical impairment. These specialized services are often covered by workers' compensation, which allows your employee to return to work as quickly as practicable without paying hefty out-of-pocket fees for their rehabilitation.
Protection Against Lost Wages
The financial stress of medical bills is magnified when the injured or unwell employee can't return to work immediately. Generally, workers' compensation can help alleviate this burden by providing claimants a percentage of their lost wages. During this difficult time, employees should focus on their recovery, rather than jeopardizing their health by rushing back to the salon.
How to Get Workers' Compensation for Your Salon
AmTrust Financial makes it simple to create a tailored insurance package for your hair salon. We offer access to hair salons workers' compensation packages and other top-rated products to help safeguard your small business from various financial hardships.
Additional Types of Hair Salon Insurance Policies
In addition to the typical issues most business owners deal with such as protecting their building against damage, hair salon owners and hair stylists have a diverse array of responsibilities that are unique to their businesses. Keeping track of financing, monitoring employees, purchasing grooming essentials and stocking hair products can present specific risks to a salon.
Just as homeowners purchase insurance policies to safeguard their properties against potential damage, the majority of hair salon owners have insurance coverage for similar reasons. Since every hair salon is run differently and offers varying services, ensuring you have the proper amount of coverage for your unique needs is important. If you employ other hair stylists, adding employment practices liability insurance coverage can protect against legal fees if an employee ever brings a claim against your business.
In addition to workers’ compensation coverage, the different types of insurance policies almost every small business has include:
Often included as part of a
businessowners policy (BOP)
, property insurance helps protect the building where you run your hair salon as well as any equipment or tools you use such as curling irons, furniture, laptops, hair brushes, and more.
Professional Liability Insurance for Hairdressers
: Having professional liability insurance is an important way to protect your salon in the event that a lawsuit is filed against your business. For example, if a customer or an employee alleges he or she became injured while visiting your salon, this policy can help to cover legal fees. Having a hair salon liability insurance policy in place is particularly important because of the unique equipment and products that are used like hot curling irons and chemical-based hair colors.
Employment Practices Liability Insurance (EPLI)
Can help to pay for the costs associated with a legal claim if a current or past employee claims he or she was wrongfully terminated or discriminated against. For example, if an employee claims that you didn't have the proper medical accommodations in place, forcing him or her to resign, this policy can help to keep your business running throughout the litigation process.
Replaces a portion of your or an employee's income whenever a disability prevents the ability to work. Disability insurance typically doesn't cover medical or long-term care expenses. The key difference between this type of insurance and workers' compensation is disability insurance can supplement an individual's income - even if their accident or injury did not occur at work.
How Can I Learn More about Hair Salon Insurance?
AmTrust Financial makes it simple to create a tailored insurance package for your hair salon. We offer access to hair salons workers' compensation packages and other top-rated products to help safeguard your small business from various financial hardships. To start building your coverage plan,
Electricians, plumbers, metal workers, interior decorators, painters, and other types of artisan contractors face certain challenges each time they conduct business.
Workers' compensation insurance can protect your firm from liability. Explore how a workers' comp insurance plan through AmTrust can benefit your business.
A bakery's sweet future can turn sour after kitchen accidents, oven fires and liability claims. Learn how you can stay protected with bakery insurance solutions from AmTrust.
Protecting your book store from unnecessary liability, like customer injuries, is vital to the success of your company. Explore the options for book shop insurance from AmTrust Financial.
You can't always stop an accident from happening, but you can be prepared for one. Learn more about workers' comp insurance for contractors from AmTrust Financial.
It's important to protect your dental office with customized insurance options, like workers' compensation coverage. Learn more about the importance of workers' comp for dentists.
Workers' compensation for doctors helps protect your business from unnecessary liability.
If you own a furniture shop, keeping your property and inventory protected is a wise idea. Get covered today with furniture shop insurance through AmTrust Financial.
Protect your grocery store from liability. Learn more about grocery store insurance through AmTrust Financial to save on general liability, workers' comp and more.
Machine shops are a high-risk environment, for employees and consumers. Learn more about machine shop insurance coverage from AmTrust Financial.
Classrooms can be filled with hidden liability risks. Help keep your employees safe with private schools workers' compensation and business insurance solutions through AmTrust.
Workers' comp insurance is a necessity in professional offices, allowing you to cover the costs of employee injuries. Learn more about workers’ comp insurance through AmTrust Financial.
Restaurants can be surprisingly risky places, both for employees and patrons. Restaurant Insurance helps protect you from the costs associated with such risks.
Is your retail store ready for the unexpected? Find out how to protect yourself and your employees with workers' compensation and business insurance solutions for retail environments.
As a wholesale industry business owner make sure that your assets are protected. Get covered today with workers' compensation insurance through AmTrust.