| Beauticians are responsible for service errors and | | | | may apply for treatment cover insurance. |
| unsatisfactory results. They also risk the loss, theft | | | | Employers' liability takes care of legal fees and |
| or malfunction of expensive equipment. A carefully | | | | compensation if the owner causes an employee |
| considered insurance plan is especially important for | | | | injury or illness on the job. Coverage for uninsured |
| beauty professionals. | | | | part-time or temporary workers pays for their |
| A good insurance policy must first cover the | | | | treatment errors. Finally, legal expenses can be |
| essentials. Property insurance protects the building, | | | | covered if the holder is accused of discrimination or |
| and the salon contents. Covered property can include | | | | unfair handling of a workplace dispute. |
| furnishing, fixtures, inventory, computers, and | | | | Many service errors are not the responsibility of the |
| records. Items can be replaced or repaired. Coverage | | | | treatment provider. Cosmetic products are |
| can be tailored to include the owner's itemized | | | | sometimes faulty. And other products are known to |
| inventory of cosmetic equipment, and may include | | | | cause allergies in sensitive individuals. Beauty |
| protection against theft. Personal effects may also | | | | professionals take a calculated, minimal risk of an |
| be reimbursable. Equipment that malfunctions, or | | | | undesired result. Salon owners concerned about |
| damage to the salon's structure, can interrupt | | | | receiving defective products, or the potential for |
| business. The holder may be reimbursed for resulting | | | | adverse reactions, might consider product liability |
| loss of income. This kind of cover protects the | | | | insurance. |
| business owner from disasters such as fire or flood. | | | | Having considered the most important types of |
| Protection against legal action must also be included in | | | | cover in a salon insurance plan, the owner should be |
| a salon insurance policy. Public liability cover is | | | | certain that all the salon services he offers are |
| essential. If a customer sues the owner for | | | | covered under the plan he purchases. Because salon |
| negligence, liability insurance covers the expense. | | | | owners have complex insurance needs, it can be a |
| Treatment cover pays for correcting errors of | | | | challenge to identify the best plan. Ideally, each type |
| service, such as mistakes during risky hair dye, tint, | | | | of critical insurance can be consolidated into one ideal |
| or bleach procedures. Some eligibility qualifications | | | | package. |