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Whether your mobile beauty service provides hair styling, mani-pedis, facials, eyebrow and eyelash tinting or any other beautician service, being on the road and visiting clients in their homes adds an extra layer of risk to your beauty salon services. Of course, you still face the same risk of injury to clients involved with providing personal care services. With the right mobile beauty insurance coverage, you can rest a little easier knowing that you’re protected and focus on making your clients their best versions of themselves.
Risks Faced by Mobile Beauty Businesses
The following possible scenarios represent some of the risks in the mobile beauty industry:
- One of your clients has a severe reaction to a skin treatment product you applied.
- While in a client’s home, you accidentally knock over an antique vase worth thousands of dollars.
- You gossip with a client while sculpting her eyebrows about another beautician you both know. Your client lets slip what you said to that beautician and she sues you for slander.
- You’re involved in a car accident while on your way to a long-term care home for several makeup appointments.
Mobile beauty insurance can provide you with coverage for:
- Medical expenses for injuries to clients or third parties
- Costs to repair or replace damaged property
- Lawyer’s fees and defence costs
- Out-of-court settlements
- Awards for damages
It’s important to remember that disgruntled customers or competitor can file a false claim against you, forcing you to hire a lawyer and go to court to defend the allegation and clear your name.
Mobile Beauty Insurance Coverages
The following customizable coverages are recommended for mobile beauty businesses:
Commercial General Liability Insurance provides your mobile beauty salon with coverage for lawsuits alleging property damage, false advertising, libel/slander and personal injury unrelated to beauty services.
Professional Liability Insurance covers injury and other lawsuits based on your professional services or advice.
Commercial Vehicle/Auto Insurance is a requirement for vehicles used for business purposes.
Product Liability Coverage protects you for beauty products that you make and sell.
Property Insurance to protect your base of operations and your tools and equipment while on the road.
Crime Insurance protects your mobile beauty service in case of employee theft or fraud.
Get ALIGNED with mobile beauty insurance brokered by commercial insurance specialists.
We know that as a small- to medium-sized business, you try to save money where you can. Our brokers are not just commercial insurance specialists, we’re advocates who work for you. Our job is to get you an insurance policy with the coverage you need from Canada’s top insurance companies at rates you can afford. Contact an ALIGNED advocate to get a free quote on mobile beauty insurance in minutes or get started right away by using our free online tool.
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