Barbers and Beauticians
Professional Liability
Hair and beauty salons
offer a range of services. Traditionally they included hair styling, dressing,
arching, applying cosmetics, permanent waving, shampooing, tweezing, facials,
trimming, tinting, plucking, bleaching and dyeing, manicures, hair tinting,
waxing or applying depilatories and pedicures. Currently, such salons offer an
even wider array of services that involve a higher level of risk as they cross
into the realm of medical and even surgical procedures. Current operations may
involve tasks such as:
·
Botox injection
·
Liposuction
·
Medispas
·
Dermabrasion
·
Laser Treatments
These services are
accompanied by an equally wide variety of risks. Dealing with customers may
result in losses such as scalp injuries, severe damage to hair, burns, cuts,
spinal or joint injuries, and scarring. None of these losses are covered by a
general liability policy. It is critical to acquire the protection of a barbers
and beauticians (or cosmetologists) professional liability policy.
Many traditional services
are covered under professional liability policies. However, such policies are
not standardized. Therefore protection may be significantly different among different
insurers. A particular company’s application and policy forms should be
carefully read in order to determine what services are covered.
Cosmetologists are required
to carry a state license and a minimum amount of training and experience in
order to perform their jobs. Barbers and Beautician Professional liability
policies require that all insured persons maintain a valid license or
certification. Typical coverage includes injuries to persons or to property
that is related to the applicable beauty or barbershop operation. There is also
coverage for harm connected to application of preparations that are bought at a
shop or salon and then are used at customers’ homes. Coverage does NOT
apply to preparations made BY the insured.
Barbers and Beauticians professional
liability forms don’t protect against losses involving plastic surgery;
removal of warts, moles or other growths; use of radiation for the removal of
hair; body massage other than facial or scalp massage; sun-tanning treatment or
piercing body parts. Though coverage for some services may be
added for additional charges.
An insurance professional
is the person to talk to when you want to make sure that making the public more
beautiful doesn’t include the chance of ugly, uninsured losses.
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