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One in 42 beauty pros experience a claim
Based on Hiscox claim data from 1/1/2016-1/30/2019
Eligible Professions
- Barber/hair stylist services
- Beautician/cosmetology services
- Esthetician services
- Nail technician services
Common Risks for Beauty Professionals
- Bodily injury
- Defamation, libel, slander
- Dissatisfied client
- Emotional distress
- Negligence
- Third-party property damage
- Treatment gone wrong
- And much more
The Curcuru Agency Bundle for Beauty Professionals
PROFESSIONAL LIABILITY (PL)
Also known as errors and omissions, or E&O, coverage, this protects you from claims of negligence during the course of conducting business. You’re protected even if you haven’t made a mistake.
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
Claim Scenarios for Beauty Services
PL CLAIM EXAMPLE
Treatment gone wrong:
You offer eyebrow waxing as part of your esthetician services. After you wax a customer’s eyebrows, their skin becomes severely irritated. The customer requires medical treatment, and has to cancel a modeling job because of the unsightly irritation. The client sues you for emotional distress and negligence. Professional liability insurance protects against claims of negligence, and will appoint an attorney to defend you if needed, even if you haven’t made a mistake.
GL CLAIM EXAMPLE
Bodily injury:
You are the owner of a small salon. After a blizzard, you fail to have the sidewalks cleared before reopening for business. A client slips after exiting the salon, injures her back, and demands that you pay her hospital bills. General liability insurance protects against third-party claims of bodily injury, associated medical costs, and property damage.