Running a beauty salon goes far beyond just “doing hair.” As a business owner, you need to be sure that you won’t get sideswiped by unexpected expenses arising from things like fires, thefts, or people tripping on your sidewalk. Therefore, you should be sure you get a full suite of beauty salon insurance in NC.
The Minimum Package
At the very least, you should be covered against common, random adverse events. A fire can easily break out from a curling iron that’s been left on, an electrical short, or even lightning. Similarly, a thief might decide that your money or equipment would look better in his trunk. General liability coverage protects against things like this. It also covers accidents like slips-and-falls.
Professional liability insurance is another type of coverage you should think of as a must-have. If someone doesn’t like how they look after you’re done, or a product you used makes them break out in a million pimples, this is an insurance policy that will protect your money.
Worker’s compensation is a needed part of the package of cosmetologist insurance in NC if you have any employees.
If your salon has expanded to offer microblading, it should be sure to also get beauty insurance for microblading in NC. This coverage will kick in even if another policy you have excludes this service.
Even barbers should be sure they have the right coverage. Self employed barber insurance in NC ensures that you won’t be left in the hole due to unexpected expenses or liabilities.
- A good insurance package protects against fire, theft, and a wide variety of liability types
- If you have employees, you also need worker’s compensation coverage
To learn more, and get the best package for your operations, call us here at Marine Agency Insurance today. We’ll be glad to discuss your needs and create a custom solution for you.