When you run a hair salon, you’ve got to keep not only your customers, but also your business’s property, staff, and revenue safe at all times. There are a number of hazards that could harm your hair salon if you don’t have the proper protection. Fortunately hair salon insurance is designed to shield your business from common threats.

Even better, South Carolina independent insurance agents can get your business the right hair salon insurance to keep it protected. Having adequate coverage will allow your hair salon to maintain smooth operations in the long run. But first, here’s a closer look at this important coverage.

What Is Hair Salon Insurance?

Hair salon insurance in South Carolina exists to protect hair salons and their owners. Packages are made up of a special form of South Carolina small business insurance with a unique hair salon twist. Common hazards ranging from fire damage to legal issues are accounted for in your insurance policy. Hair salon insurance just conveniently combines several necessary coverages together in one tidy package.

How to Insure a Hair Salon in South Carolina

To make sure that your South Carolina hair salon gets set up with enough coverage to provide the fullest picture of protection, you’ll want to work with a trusted expert. South Carolina independent insurance agents will help you create a policy designed to meet the needs of your unique business. Together the two of you will assemble a hair salon insurance package that leaves you and your business adequately covered.

What Are the Benefits of Hair Salon Insurance?

Having coverage for your hair salon provides an important buffer against numerous disasters that could affect your business. Here are just a few key benefits of having hair salon insurance:

A South Carolina independent insurance agent can inform you of several other benefits of having hair salon insurance.

What Does Hair Salon Insurance Cover in South Carolina?

Your hair salon insurance policy might vary quite a bit from your neighbor’s, since these packages are highly customizable. However, according to insurance expert Paul Martin, there are several essential coverages you’ll be able to choose from with the help of your South Carolina independent insurance agent. Martin gives us just a few of these critical protection options for your hair salon, including:

• Employment practices liability: This coverage reimburses for fees to pay lawyers and other legal charges if any of your employees are involved in harassment cases against coworkers or customers.
• Product recall coverage: This coverage reimburses for fees relating to a bad batch of dyes or other products that get recalled. Coverage can also reimburse for public relations fees related to the recall to help protect your business’s reputation.
• Professional liability: This coverage protects your hair salon if one of your workers makes a professional error that harms the public in some way, like burning a customer’s scalp.
• Worker's compensation: This coverage protects your employees if they get ill or injured on the job, or die from a work-related incident. This coverage is mandatory for most businesses in South Carolina with four or more employees.
• Cyber liability: This coverage protects your hair salon in case its computer system gets compromised. Sensitive data about customers or staff may be stolen and sold following a data breach or other attack. Cyber liability insurance protects against financial and legal ramifications following a breach of your network.

Your South Carolina independent insurance agent will work together with you to assemble a hair salon package that covers all your areas of concern.

What Doesn't Hair Salon Insurance Cover in South Carolina?

While hair salon insurance provides a lot of important coverage for your business, it also comes with certain exclusions. Some of the most common exclusions for hair salon insurance in South Carolina include:

*Since your hair salon is located in South Carolina, a coastal state that’s prone to flooding due to hurricanes, you’ll probably want to purchase a separate flood insurance policy. Or you might even be required to have already it by your business’s mortgage lender. Your South Carolina independent insurance agent can provide you with more information about finding coverage.

Here’s How a South Carolina Independent Insurance Agent Can Help

When it comes to protecting hair salons and their owners against hazards like lawsuits, fire, data breaches, and other disasters, no one’s better equipped to help than an independent insurance agent. South Carolina independent insurance agents search through multiple carriers to find providers who specialize in hair salon insurance, deliver quotes from a number of different sources, and help you walk through them all to find the best blend of coverage and cost.