Why barbers need insurance

You are your business. Barbers who provide hair care services, whether that be fading, trimming, cutting, styling, and washing their clients hair, should get professional and general liability insurance. Anything could happen on a random day in the shop, a client could claim damages caused by your service or that they hurt themselves falling in the shop. Liability insurance is the best way to protect your brand while further establishing the legitimacy of your business to clients. Which is increasingly more important in this social media age.

ProTect my business

Solutions

Professional
Liability (E&O)

To protect you from claims of harm caused by services your provided to a client

General
Liability

To protect you from claims of harm that happen within your place of business

Business
Owner's Policy

A combination of General Liability protection as well as your business furniture and equipment at up to five different office locations, including accidental damage.

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Risks

BUILDING PROPERTY DAMAGE

Business property is destroyed due to a covered loss, such as a fire or theft, costs could add up quickly.

PERSONAL PROPERTY COVERAGE

This coverage pays to repair or replace your owned business building and/or your business personal property, up to the limits you select.

Typical out-of-pocket cost: $23,214

YOU CAN'T OPEN YOUR BUSINESS

Your business is damaged due to a fire and you cannot operate until repairs are made. I.e. pandemic

BUSINESS INCOME AND EXTRA EXPENSE COVERAGE

This coverage helps with loss of income and fixed expenses, such as rent or payroll, while your business is temporarily closed for repairs after a covered loss.This coverage provides your business with up to 12 months of coverage.

COST: Salary / annual / monthly earnings

INJURY

You are sued because somebody was injured after slipping on a recently mopped floor at your business

GENERAL LIABILITY

This provides coverage for injury to others at your premises and helps protect you from lawsuits filed against you.

cost: $33,000

Business Insurance 101