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When a client sues your beauty salon for losses, damages, suffering or otherwise, your company is forced to deal with those legal claims. Without beauty salon professional liability coverage you will have to pay for your legal defense costs out of company funds. You may also lose income because of time that you spend in court defending yourself. Whether your salon is at fault for a client’s issue or not, you will have to deal with it. Professional liability insurance, or Errors and Omissions (E & O) helps protect you when legal claims arise against your professional services.
For example, if an up and coming model comes to your beauty salon for hair and makeup styling, she trusts you to make her look good enough to win the modeling job she is after. If she claims that she didn’t get the job because your makeup artist did not prepare her properly for a black and white photo shoot, she may sue your salon for the losses in income. Your beauty salon professional liability insurance can help pay for your litigation expenses and potentially reimburse you for the losses in work time while you’re defending yourself in the lawsuit. Your professional liability insurance policy is also structured to pay for legal awards and settlements when applicable.