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Phelan, CA (PRWEB) November 16, 2013
Whether one is a salon or spa employee, an independent contractor or a mobile professional, Liability Insurance is essential. It covers a business in the event of injuries to clients on their premises, due to accidents or human error. Also common to any business is damage to equipment, breakage of glass and mirrors, fire or theft, and injury to staff. It is important for any professional to be prepared.
The beauty professional is responsible for everything that happens with clients while in their care and can be held liable for any injuries clients sustain on the property. Without the right insurance the beauty professional must pay for the damages. Although a beauty professional never intentionally intends to hurt a client, sometimes accidents occur. A client may have an allergic reaction to chemicals contained in products. Infections and diseases can be unknowingly spread through unsterilized equipment, burns may occur from spilled solutions, and injuries from defective electrical appliances are possible.
“Even when you provide consent and release waivers and educate your clients, accidents can occur. No matter who you are or who you know, or how professional you are, someone could come in for a salon service and fall or make a claim you hurt them while you provided a hair treatment.”—Prose Answer
Injuries can lead to compensation claims requiring legal counsel. All legal costs, medical bills, or compensation for the client are the responsibility of the business. Imagine how much this would cost without insurance. For less than a dollar a day, Liability Insurance can provide peace of mind and enhance one’s professional reputation.
It’s important to find a knowledgeable insurance broker with experience in the beauty industry—one that understands its specific needs and can tailor a policy to cover all the risks involved in the industry. Fortier Insurance Services has served the California beauty industry for more than 20 years. Their goal is to get you the best coverage for the least amount of money. Call 1-800-927-3566 today for a free quote or visit their website at http://fortierinsurance.com/.