To protect barbers and salon owners from financial dangers that come with their job, there is barber shop insurance. It usually covers a variety of risks, including public liability, professional liability, tools and equipment, and more. To make sure you know exactly what the policy would not pay for, though, familiarizing yourself with the exclusions is essential. For your convenience, this post will go over some of the most typical barber insurance exclusions.
Deliberate Injury or Acts of Misconduct:
The insurance policy for barbers does not extend to cases of willful wrongdoing or damage. For instance, any claims stemming from a barber’s intentional destruction of client property or intentional injury will be rejected. The point of having barber insurance is to safeguard yourself from unanticipated events, not intentional misconduct.
Unlawful Doings:
All claims that stem from unlawful actions are thus disclaimed. Claims may be denied by the insurer if the barber does not have the proper permits to operate, does not follow health and safety regulations, or is involved in illegal operations. In order to guarantee coverage, it is vital to comply with all local rules and regulations.
Damage to Equipment from Regular Use:
The typical wear and tear on barbering equipment is not covered by insurance. Tools like clippers and scissors wear out with use, and this policy does not pay to fix or replace them when they break. Regular tool maintenance and replacement are of the utmost importance.
Natural Disaster Damage:
Earthquakes, floods, and hurricanes are examples of natural disasters that may not be covered by insurance policies. You might want to look into getting extra insurance, like flood or earthquake coverage, for your barber shop if it is in a vulnerable location.
Breaches in Cybersecurity:
The financial and reputational harm that can result from a cyberattack or data breach on your barbershop could be beyond the coverage of typical barber insurance policies. You may want to look into purchasing cyber liability insurance specifically to cover these kinds of concerns.
Claims Related to Employees:
Claim coverage for workplace conflicts or injuries sustained by employees is usually not provided by barber insurance. As an example:
- An individual employers liability policy is necessary to pay for medical bills and missed wages in the event of an on-the-job injury.
- Unless you have a policy in place to cover employment practices liabilities, you will also be unable to respond to employee claims of unfair treatment, discrimination, or wrongful termination.
Not Achieving Expected Outcomes:
Claims might arise when customers are unhappy with the results of a barbershop service, like a haircut or hair color. On the other hand, the policy may not cover the claim if the reason for disappointment is due to unrealistic expectations instead than carelessness or a genuine mistake. One way to reduce the likelihood of these problems is to keep communication open and manage customer expectations.
Mobile Service Exclusions:
Your insurance may not pay for damages caused by occurrences that take place at locations other than your registered company location if you provide mobile barbering services. For instance, unless your insurance specifically addresses mobile services, it is possible that any harm done to a client’s property while getting a haircut offsite may not be covered.
Product Liability Exclusions:
Your barber insurance may not pay for repairs caused by hair care or grooming products unless you purchase a separate coverage that covers such goods. You may encounter a claim that is not covered by your regular policy, for instance, in the event that a customer has an adverse reaction to one of your products.
Negligence or Lack of Maintenance:
Claims that stem from careless or inadequate upkeep of your property are typically not covered. The insurer may claim carelessness and reject the claim if, for example, the customer slips on a damp floor due to the absence of appropriate signage.
Professional Training Exclusions:
Insurance companies may refuse to pay for claims involving certain services if you or your employees do not have the proper credentials. Specialty hair treatments, such as dyeing, straightening, or scalp treatments, usually necessitate insurance verification of eligibility.
