There are several additional considerations salon owners should consider adding, depending on the nature of their business and the services offered.

• Hiring of Subcontractors such as Hair Stylists, manicurists, or massage therapists as independent contractors:
  • Unintended Risks: Any Professional service provider that rents rent space in your salon may not be covered by your general liability policy.  Should a service they provide if they cause bodily injury or property damage to one of your clients. Stylists can face lawsuits over something as small as a bad haircut, and these suits can be just as financially destructive as a bodily injury claim, like a chemical burn or an allergic reaction.
  • Solution To Consider: Consider requiring all of your beauty contractors to carry professional liability insurance. This will provide financial protection for both the contractor and, consequently, the salon, to help against litigation over accidents from your services.

• Retail Sales of Beauty Products such as shampoos, oils, soaps, massagers, etc.
  • Unintended Risks If there’s a problem with a product you sell, like a manufacturing flaw or a chemical imbalance in a hair care product, you could be partially liable for any illness or injury your customer suffers. A faulty product suit can affect all parts of the distribution network, from the manufacturer all the way down to the seller.
  • Solution To Consider: Product liability provides financial protection for your salon if one of your products causes injury to your customers.