Whether you have your own shop, you rent a chair, or you work from home, as a barber you’re both an artist and a highly-skilled professional who helps customers literally look their best.

That’s why when people find good barbers, they tend to come back over and over again.  

But any time you’re dealing with customers, it’s important to be prepared in the event that something goes wrong. On that note, here’s what you need to know about getting insurance as a  barber.

Here’s Why You Need Top-Notch Barbers Insurance

1. Customers Can Hurt Themselves

Nobody plans to be the subject of a massive personal injury lawsuit. But sometimes clients can slip or ice can be tracked in during the colder months. Most small business owners can’t afford to pay litigation costs out of pocket. Insurance can cover defense costs as well as judgment amounts.

2. Your Professional Equipment Could Be Damaged

In your line of work, you can’t really make money unless you’re seeing clients and giving haircuts. With the help of a professional broker, you can put together affordable policies that are designed to compensate you for the damage done to your equipment and, potentially, to your income in the aftermath of a fire or a pipe burst.

3. Because You’re Dealing With Materials That Can Cause Harm

As a barber, you routinely use razors and clippers. However, all it takes is one bump or sudden movement on the part of the customer for something catastrophic to happen. Insurance can help you protect your business in a worst-case scenario.

What Types of Insurance Policies Should Barbers Be Looking For?

• Professional Liability Insurance: Also known as errors and omissions insurance, this insurance option is designed for situations where someone has suffered economic loss. Professional liability insurance can cover you if a customer has a bad haircut and decides to sue.
• Commercial General Liability Insurance: Broadly speaking, commercial general liability insurance is designed to cover scenarios where a third party, like a customer, suffers from personal injury and/or property damage. Although this is perhaps most well-known as slip and fall insurance, it applies to a number of things that include accidents and false advertising claims among other things.
• Contents Insurance: If a fire were to break out, many insurance policies would cover the building but not necessarily the equipment you rely on or the chair you rent. Contents insurance makes it possible for barbers to recoup their losses in the aftermath of an insured peril. 

Here’s Why You Should Get Barber Insurance With Oracle RMS

We’re a professional insurance broker that has been helping barbers with their insurance needs for several years. Contact us for your FREE quote today.