Cosmetology Insurance

Getting coverage with a cosmetology insurance policy is fast and easy. Get the valuable coverage you need to protect your equipment and the services you provide your customers.

Cosmetology liability insurance protects more than just your professional tools. It protects your livelihood. This coverage will give you peace of mind knowing that if something should happen, you won't have to worry about struggling to keep your head above water. Life is unpredictable, but you can be certain that your cosmetology insurance coverage will keep you protected.

 

Why do I need cosmetology insurance?

You worked hard to get to where you are. Not having cosmetology insurance puts you at risk of losing everything you worked so hard to earn. Your business, reputation, and professional future all depend on having the right protection. It doesn't matter how careful or experienced you are, too many elements are out of your control to be working without a safety net. Cosmetology insurance exists to keep you safe and in business.

 

What kind of insurance is best for cosmetologists?

What coverage do I need?

• Professional liability insurance- Professional liability insurance for cosmetologists will cover any potential risk that comes with your profession. If, for example, a client who's cut or burned during styling seeks damages from you for a bodily injury or emotional distress claim, professional liability insurance will protect you.
• General liability insurance- All small businesses should have general liability insurance. This insurance will protect you if anyone is injured because they tripped over your chair or one of your cords. General liability coverage for cosmetologists will also cover property damage if, for example, you spill hair dye on a client’s expensive suit or designer handbag.
• Business personal property insurance- Even though you rent, you have equipment, tools, and supplies to cover if there's a fire or other covered loss.

 

Do booth renters and chair renters need insurance?

All cosmetology professionals need some kind of cosmetology insurance. Many owners of rented space at salons or booths don't give you the option not to have it. And it's for the best. As an independent contractor, you need to protect yourself.

 

Why choose West Bend for your cosmetology insurance?

With an insurance policy from West Bend, you'll have the valuable coverage you need to protect your equipment and the services you provide to your valued customers. And getting that coverage is fast and easy!

West Bend's insurance program for the beauty industry provides all the coverages you need and the best services available. West Bend’s mission is to provide peace of mind to our customers through sound insurance and superior service. Your satisfaction helps determine our success.

 

The right coverage at the right price

Most policies are less than a dollar a day. You receive valuable protection for yourself, your business, your equipment, and your reputation!

You’ll get:

• $1,000,000 per occurrence or $3,000,000 in aggregate coverage for businessowners liability coverage.
• $5,000, including equipment breakdown, for businessowners property coverage.