Is Your Home-Based Hair Salon Covered by Homeowner’s Insurance?
Okay, quick question: If you run a hair salon from home, does your homeowner’s insurance cover it? Think about it. Got your answer? If you said YES, well, we need to talk. That might not be the case!
Stay with me, and I’ll break down why your homeowner’s insurance probably won’t protect your home-based salon—and what you actually need to be covered.
Introduction
Hey there, I’m from Trailstone Insurance, and today, we’re getting real about home-based salon insurance—a topic that could save your business and your bank account. If you’re a hairstylist running your business from home, homeowner’s insurance may not provide the protection you think it does.
At Trailstone, we help businesses like yours find the right commercial insurance, so you can focus on making your clients look fabulous—without worrying about unexpected risks!
Why Your Homeowner’s Insurance Won’t Cut It
Let’s get down to it: personal homeowner’s insurance is designed to protect your home, not your business. That means:
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No coverage if a client slips and falls while getting a haircut or a shampoo.
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No protection if your styling equipment is stolen or damaged.
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No coverage if a client sues you over a botched chemical treatment.
That’s a lot of gaps, right? But don’t worry—I’ve got solutions for you!
The Insurance You Actually Need
Alright, now let’s talk about the policies you actually need. You may not need all of them, and Trailstone Insurance is here to guide you in choosing what’s right for your salon.
1. In-Home Business Insurance
This is the most essential insurance for your home-based salon. It covers your equipment, liability, and lost income if you have to pause operations.
2. General Liability Insurance
Next, you’ll probably need General Liability Insurance. If a client slips on a wet floor, this insurance pays for their medical bills and any legal fees you may face. (Drops ice cubes on the floor for dramatic effect).
3. Professional Liability Insurance (Malpractice Insurance)
Here’s where Professional Liability Insurance—aka malpractice insurance—comes in. If a client claims your hair bleach burned their scalp, you’re covered. (Holds up a “bad hair day” wig for emphasis).
4. Business Property Insurance
Business Property Insurance covers things like your styling chairs, dryers, and tools from theft, fire, or damage. (Pantomimes using a fire extinguisher).
5. Workers’ Compensation
If you have employees, Workers’ Compensation covers their medical expenses if they get injured on the job. (Holds up a band-aid for illustration).
6. Business Interruption Insurance
Business Interruption Insurance covers your lost income if something unexpected shuts down your salon, like a natural disaster or power outage. (Points at a “Closed” sign).
Your Next Step
So, here’s the deal—your business deserves the right protection. At Trailstone, we specialize in commercial insurance. Whether you’re just starting out or growing your salon, we can help you navigate the insurance options to ensure your business is covered.
Click the link below to schedule a quick chat, and let’s make sure you’re properly protected.
Because the only thing you should be worried about… is giving your clients the best hair day EVER!