Insurance for Hairdressers, Barber Insurance, and Business Owners Policy Insurance in Tampa, Carrollwood, Lutz, Odessa, Seminole Heights, FL, and the Surrounding Areas
Earning money in the cosmetology industry can be difficult in Florida, especially considering the weather conditions and “acts of God” that can endanger it. Insurance for hairdressers or barber insurance can help you keep your small business protected. Does your business insurance cover everything you need to keep your salon or barber shop open?
Mynatt Insurance Agency, Inc. offers top-quality salon insurance options for business owners in and around Tampa, FL, including Carrollwood, Lutz, Seminole Heights, and Odessa. If you don’t have business protections, contact us today to cover your salon.
BOP Insurance for Beauty Salons and Barbershops
Business owner’s policy (BOP) insurance combines two instrumental insurance types in one package: general liability and property insurance. Basic insurance for hairdressers and barber insurance should at least include BOP to protect yourself.
General liability insurance protects you against potential liabilities, including customer injury, advertising injury, or product-related claims. Property insurance can help cover costs for property damage covered under your policy, which can include the aforementioned “acts of God” and more:
- Fires
- Floods
- Tornadoes
- Vandalism
- Hurricanes
- Smoke damage
- Car damage to property
If you already have a policy, double-check that it at least protects against the more likely incidents your salon may face. You can view incident rates for Carrollwood, Tampa, Seminole Heights, and other nearby cities via government websites and other record-keeping pages.
Workers’ Comp Insurance, Liability Insurance, and More for Small Business Owners
Does hairdresser or barber insurance cover all issues, including helping employees? Not always! If you have employees working in your salon, you may need more than typical BOP insurance can provide.
Workers’ compensation insurance helps partially cover medical expenses and provides income for employees when the job or building causes injuries or illnesses. For example, if a coworker has a slip-and-fall incident, worker’s comp helps cover their expenses and protects your business from extraneous claims.
Working in the cosmetics field, you may also want professional liability insurance. It covers issues that don’t typically appear on a general liability insurance policy. This “errors and omissions” insurance helps protect your salon against dissatisfied clients who file lawsuits for presumably inadequate work or negligence.
Don’t wait until it’s too late to get or upgrade your barber insurance. Mynatt Insurance Agency, Inc. offers the latest, most updated insurance options.
Contact us today for insurance for hairdressers in Seminole Heights, Carrollwood, Lutz, Odessa, Tampa, and nearby cities in Florida!
