In the event that you need to make use of employer’s liability within your beauty salon workers compensation policy, your coverage should include legal expenses. If an employee sues you for an accident, your coverage can help pay the costs of attorney and court fees, investigations, and any damages in the case that they are awarded.
When one of your employees is injured in your beauty salon, they may conclude that you and your business were not liable, but that a third party was. For example, if a stylist is electrocuted when using a faulty hair dryer, they may believe the manufacturer of the dryer is liable and they may choose to sue that company. If the third party believes your business was liable, they can in turn sue you. Your beauty salon workers compensation insurance can protect you in this event. The employer’s liability portion will help you cover legal costs associated with this event and any damages awarded. Because workers compensation is a no-fault type of insurance, the chances that you will be proven liable for an injury or accident by a court are low. When an employer is found liable, it is typically in drastic cases in which they intentionally injured an employee or required them to perform an especially dangerous task.