Mistakes are sometimes an unfortunate part of being a hairdresser. While you no doubt work carefully every day, not every appointment goes to plan. It only takes one beauty disaster to create trouble for your salon.

That’s where Professional Indemnity insurance can help. This policy can help cover you for losses claimed by a third party, such as a client, and defence costs due to alleged or actual negligence in your professional services or advice.

For hairdressers, a Professional Indemnity policy could help you manage many common situations. This might include making a mistake when applying a treatment or giving incorrect care instructions that cause hair or skin damage. Your policy could even help if a client with unrealistic expectations files a negligence claim—whether or not you’re actually at fault.

Insurance comparison company BizCover dives deeper into how Professional Indemnity Insurance can help solve your salon’s bad hair days.

A treatment gone wrong

Here’s a real-life example of when Professional Indemnity insurance helped one Aussie hairdresser. An insured hairdresser was applying a bonding treatment when they noticed immediate breakage in the client’s hair. They promptly cleansed out the treatment and applied additional treatments to minimise further damage.

However, when the client left the salon, her hair continued to break. It was so bad that she couldn’t run her hands through her hair without it breaking and falling out. The client was understandably upset, and she filed a claim against the hairdresser for the damage and mental distress. The hairdresser’s insurer approved the claim and paid $10,000 to cover the damages.

Protecting your salon on the go

Professional Indemnity insurance is essential to many hairdressers and salon owners. Without a policy, you could be left footing the bill if an innocent mistake leaves your client with more than just a bad hair day. That could be the difference between living to cut and colour another day and closing your salon’s doors for good.

Getting covered is easy with BizCover. Busy hairdressers, barbers, and salon owners can compare quotes and buy a policy on the go, online with no hassles.

You can also compare other policies at the same time to see if you could save on your Public Liability insurance, Business Insurance Pack, and other essential cover, putting money back into your pocket.

For more information visit www.bizcover.com.au or call 1300 805 821 today.

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