Some problems can of course be mitigated when there is no insurance. If someone comes in and a beautician feels that their hair is not in good enough condition to be bleached, salon operators can ask the client to sign a waiver in case the hair is damaged. This is a reasonable course of action and helps prevent lawsuits in the face of a Phyllis Diller type demanding that their already over-processed hair be bleached beyond ordinary human hair endurance. Recommendations, counseling, and all manner of warnings will not dissuade these women from threats of retribution if their demands are not met. Retribution can range anywhere from refusing to return to spreading malicious rumors about clients who've had their toes fall off from bad pedicures. Think about it. Lack of sanitation, infection, gangrene, stubby feet, lawsuit. This is not likely to happen, and may have well never happened, but the point is these clients make such a fuss that it is difficult to deny giving them something for which they are willing to pay cold hard cash, creating a liability. A signed waiver is one limited solution in the face of having no insurance, at all.



A number of factors can affect the cost of premiums and the ability to get insurance. Underwriters will want to know how many years the salon has been in business. They will also want to know exactly what products and services are offered. You can also expect to warrant that there are no previous, pending, or future claims. The agent might want information regarding qualifications of the employees, as well as additional training they will receive while employed. Your company policies are also scrutinized, as the agent works with you to determine what your needs are and the level of risk exposure the insurance company will face as your underwriter.



Salon liability insurance is standard operating procedure for any serious and ongoing business enterprise conducting operations as a salon or spa. The liability that is covered extends beyond basic general liability that most companies have, and is a type of professional liability insurance. Asking for quotes and comparing results is the first step in making sure you are covered.