Professional insurance for hairdressers, hairdressers
As a hairdresser or hairdresser, your role is to provide a package of aesthetic and hygienic hair care. Between shampooing, cutting and brushing, you are also responsible for the hair leather and color treatments. In order to practice with confidence, you must take out insurance against claims that could involve your civil liability and hamper the smooth running of your professional activities. Overview of the professional insurances essential for your activity!
Hairdressing trades
Hairdresser-visagiste, colorist-permanentist, are professionals who must above all show imagination. All those who carry out this activity, both in the salon and at home, must know how to carry out hair diagnostics and determine the client's needs in order to sell them the appropriate services and products.
To exercise this profession, you must have easy contact, have patience and know how to remain calm vis-à-vis customers. Customers need to be satisfied and loyal. It is also necessary to have a perfect knowledge of the products and to pay attention to possible allergies that can be caused by hair products. In addition to having a sense of shape and color, the hairdresser must be able to work while standing.
Insurance to take out to practice with peace of mind
Whether as part of an activity carried out in a hairdressing salon or at home, you must know how to assess the risks to which you are exposed. At any time, you can cause a loss to a customer. When this happens, you will need to repair the damage. Depending on the damage the costs can be very significant, so it is better to be protected effectively.
Professional liability insurance: misuse of your products, or equipment, on a customer can result in substantial damage that you will have to assume. If the profession of your client involves an irreproachable physical presentation, the immaterial damage can quickly quantify. Taking out professional liability insurance is therefore strongly recommended.
Operational Liability: Another essential insurance if you run a hairdressing salon is Operational Liability. There may be times when a client is injured in your salon and demands compensation from you. When this happens, it is this guarantee that will intervene to protect you.
Business interruption insurance: a particularly advantageous guarantee if you manage a trade show, in the event of a serious disaster, a fire for example, the operating loss guarantee will cover all current management costs and he insurer will do everything to get your business back as quickly as possible.
Professional P&C insurance: you should also consider protecting your hair salon, because the equipment you use is dedicated to professionals and its cost is significant. The same goes for furniture, especially seats. Taking out pro comprehensive insurance offers you various guarantees, including protection of your premises as well as Pro Liability, Operational Liability and Operational Loss coverage.
Mutual health insurance: the products you use on a daily basis, dyeing, detangling, gel, can prove to be aggressive for your health and that of your employees. It is therefore necessary to subscribe to a good mutual fund adapted to your profession and the risks which are specific to it.
Vehicle insurance: as you probably know, in France, it is compulsory to take out insurance covering traffic liability. If you use a vehicle in the course of your professional activity, in particular to travel to your customers' homes, it is essential to take out professional vehicle insurance. The minimum you can purchase is third-party insurance, but for optimal protection, it is strongly recommended that you purchase fully comprehensive auto insurance.
In conclusion
Whether you are a hairdresser, permanent colourist, visagiste, wig-posticheur, beautician, barber or training hairdresser, it is in your interest to take out the appropriate insurance contracts. With good coverage, you can exercise your profession with confidence.
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