You’re in the business of making people look good. Having Public Liability insurance means you can keep styling and blow drying your clients even if a mishap pops up.
As a hairdresser, you have a responsibility to maintain the safety and security of your clientele. This is because every business has risks – including yours. Public Liability protects you from financial loss when you are being held liable for injury to someone else or damage to their property whilst operating your hairdressing business.
Public Liability pays for your legal defence and settlement if one is awarded. It also provides Product Liability cover to protect your business if there is a claim made for third party personal injury or property damage caused by product/s your business provided.
In fact, having the right insurance can mean the difference between staying in business and having to close shop due to an accident or claim.
It can be uncomfortable to think about the risks involved in your profession but thinking about it now is the best way to make sure you’re prepared to deal with them should they come up. Here are a few general risks you may face:
We all like to think it will never happen to us, but things can go wrong.
Public liability can cover your business from incidents such as:
Third party injury: slips and falls and accidents are common and can happen just about anywhere. Maybe your client walks in for their appointment and slips on some product that has been spilled on the floor and breaks their ankle, and now they want you to pay for their medical bills.
Third party property damage: you get a little overzealous when applying your client’s new hair color and the bleach gets on her designer handbag and ruins it. She wants you to pay for it.
Getting the right Public Liability Insurance may seem difficult, but that is where Public Liability Australia comes in. We do the work, so arranging your insurance is quick and simple. Let us help you get the right insurance for your business at the right price.