Are You Properly Insured? 5 Must-Know Tips for Hair Stylists
We recently caught up with community partner Angie Bates from Citidel Insurance to talk about one topic every hair professional should be thinking about: protecting your business. Angie shared her top insurance and risk management tips specifically for hair stylists, salon owners and educators. This is essential reading if you want to protect your livelihood and operate with confidence.
Here are Angie’s top 5 insurance-related tips for hair stylists.
1. Carry the Right Types of Insurance Make sure you have the key coverages that protect your business from common salon risks: • Professional liability (for mistakes or unsatisfactory services), • General liability (for third-party injuries or property damage), • Product liability (for products you use or sell, excluding ones you manufacture).
2. Prevent Client Injuries & Property Damage Accidents like slips, trips, and falls in the salon can lead to expensive claims. Maintain clean, dry floors, clear walkways, and use safety signage to reduce hazards — and protect your business with liability insurance.
3. Manage Client Expectations and Communication Clear consultations and realistic discussions about what clients want help reduce complaints that can turn into claims. Good communication is a risk management strategy that complements your insurance.
4. Maintain Safe Service Practices Follow best practices (e.g., proper application of extensions, patch tests for allergies, correct use of chemicals and heat tools) to avoid client injuries or dissatisfaction that can lead to claims — and ensure your insurance covers these scenarios.
5. Invest in Professional Development. Continuing education keeps you updated on the latest techniques and safety standards, which reduces mistakes and potential claims — and can also help you meet licensing requirements and stay compliant. Bonus Insurance Tip: Always review what your policy covers and consider additional insured endorsements when needed (e.g., for events or rented spaces) to avoid gaps in protection.
For more information or to contact Angie, visit:
https://wellnessproinsurance.citadelus.com/beauty-insurance/
https://app.wellnessproinsurance.citadelus.com/Application/PolicySelection?Ref=Bates