Trevor had always found cutting hair to be an interesting and quite creative field. After high school, Trevor moved away to attend school to learn the trade. He worked had to try and become the best at what he was doing. After his training, Trevor moved back to his hometown and started working at a local barbershop.
After a few years, Trevor wasn’t feeling all the way fulfilled with his position at the shop, so he decided to leave and start his own barber shop. All of a sudden Trevor had much more responsibility. One thing he didn’t have to worry about, however, was insurance. Trevor went to Insurance Maestro to find the best barber shop insurance policy, with no need to “trim” his coverage in sight.
At Insurance Maestro, we understand you want to find the best Barber Shop Insurance possible. It needs to strike the right balance between affordable and comprehensive. Our friendly team of insurance experts are here to support you, and we’re always happy to answer any questions you might have.
In your profession, you face a lot of unique risks that other retail premises aren’t exposed to. As a business owner, you also need to consider any professional or financial exposures you now face, and if you employ others; there could be legal and employment-related obligations to fulfil as well. When you combine this with the very public nature of your business, you have many liabilities to protect yourself from. Don’t worry, our team are here to help you navigate your insurance with ease. We’ll get to know about you and your business, and tell you want coverage you will and will not need to buy for your barber shop.
Yes. Commercial insurance for a barber shop is designed to protect you from certain professional and unexpected risks you may encounter while at work. Regardless of whether you lease a chair in another person’s salon, or you offer a mobile barber service, you’re still exposed to certain liabilities. While there are certain types of insurance you won’t need to buy as a mobile barber shop, there are some you absolutely will need.
Great question; the answer will depend on the type of contract you agree with the individual. Most barber shops who use self-employed barbers will require them to provide a certificate that shows they have their own liability insurance. This means you will not need to purchase additional coverage for them.
As an agent who works with a number of commercial insurers, we’ll make sure you get the best deal. With us, you will only pay for the insurance you need, based on your individual business set-up. Nothing we offer is generic, and this personalized approach to offering insurance means you get exactly what you need, at a very fair price.
At Insurance Maestro, we want to help you find the best Barber Shop Insurance for your company’s needs. If you contact us directly, our team of experts will be happy to offer guidance about the different types of coverage you might need to buy.
At Insurance Maestro, we believe that buying commercial insurance for your barber shop should be easy and hassle-free. We’ve designed our business to support business owners just like you get access to the information they need to be able to make informed choices about the best insurance for your small business.
Whether you’re setting-up a new barber shop, you have an established business, or you provide mobile barber services; you need tailored insurance that provides coverage for the individual risks you’re exposed to. Here, we’ll briefly explain the different types of barber shop insurance you can buy.
Business Owner Policy
Combining three individual coverages into a single policy will save you money while making it easier to manage and keep track of your commercial insurance. Here’s more on the individual elements that you can expect to see included in a BOP for your barber shop.
Commercial General Liability Coverage
This is designed to protect you from third-party claims of personal injury or damage to property. Think, a trip in the salon on a freshly cleaned floor that is still a little wet, OR, the pot of cleaning solution for your tools accidentally spilling onto a client’s coat. It also applies if you visit clients in their homes or places of work, as it covers accidental damage you may cause to their property as well.
Business Property Insurance
Commercial property coverage will cover the physical salon you lease or own, along with providing protection for any inventory and equipment as well.
Business Interruption Insurance
Not all insurers include this in a BOP, but many will. It gives you a set-level of protection that could replace lost income in the event you cannot operate after a covered event on your policy.
As part of your day-to-day business, you use chemicals and sharp tools. Having professional liability coverage, or Errors and Omissions insurance as it is also known, will give you peace of mind that should you be faced with legal action arising from the provision of your services, you have coverage in place to pay for a legal defence and any subsequent settlements.
This only applies to your barber shop if you sell products to clients. If you do, then having this could prevent you from undue financial stress should a product you sell cause harm to a person or their property.
Employee Insurance for a Barber shop
Depending on whether or not you hire people, you’ll also need to consider buying insurance for your staff. This could include, workers compensation coverage and employment practices liability insurance, or EPLI for short.
Our team will find out more about your business, and verify which, if any, additional types of insurance you might need to consider. Some of these options may include:
Our team of Barber Shop Insurance experts will be happy to discuss your unique needs. Contact us today, and we’ll work through the options for you, leaving you free to focus your attention back on your business.