General liability is the part of the insurance policy that covers your legal expenses when you are sued for damages or injuries to another party.
Some people call it "slip and fall" coverage because a large amount of claims are the result of this type of injury.
Water, hair, product residue built up on floors can easily spell disaster. Especially here in Ohio, where clients are always walking in with wet or snowy boots.
Do you ever recommend products or worry that you might burn someone or cut them? What about a client getting a nail infection from one of your tools?
No worries, because these policies are especially designed with the beauty industry in mind; we offer professional liability protection. This means that if you get sued due to a professional mistake or act of negligence, your policy will respond.
You never know when a human error will occur. Or when an accident can happen. Cosmetologists are expected to work with high-heat tools, chemicals and sharp scissors in a often fast paced manner. Don't let a simple bump, slip or cut ruin your business.
Lastly, remember insurance policies can't and won't protect your from everything, especially higher risk procedures and treatments- permanent makeup, piercings, laser hair removal, Botox, acupuncture, cellulite reduction, that are typically excluded from coverage.
If you are performing any of these procedures or have questions about your policy, please don't hesitate to call