Our barbershop insurance program can be exactly what you need to protect your business. Accidents are costly and defending them can be even more expensive.
For as little as $42 a month, we can cover your entire barbershop for accidents, bodily injuries, property damage, and even advertising claims. This can give you peace of mind that we are there for you anytime a claim may arise.
Whether you own a barbershop or rent a chair in a shop, you can be sued and held responsible for your services. We all know, sometimes accidents happen. It doesn’t have to be your fault to have a lawsuit brought against your barbershop.
Here’s what you need to protect yourself:
General Liability Insurance
Our policy will cover your professional services for bodily injuries, property damage, libel, and advertising claims. General liability insurance for barbershops covers common claims such as slip and fall, dissatisfaction with service or injuries while a service is being performed.
In these cases, barbershop insurance will cover legal expenses such as settlements or judgments, attorney fees, and even court costs.
Professional Liability Insurance
This coverage is the glue that holds the whole barbershop insurance package together. While many carriers offer affordable general liability coverage, few offer the professional liability coverage that specifically covers the services (cutting hair, shaves, etc) you offer.
For example, if you cut a customer’s ear, general liability would not cover that because it’s part of your professional service. Professional liability fixes this problem, giving your barbershop total coverage.
Barbershop property insurance covers your equipment, furniture, computers, and any build-out you may have, among other things. If these things are damaged by theft, fire or vandalism, you’re covered.
Because we package these three policies together into one policy, you save money over buying separate policies. A base policy with both general and professional liability costs around $500 a year. We can even do installments to spread the cost out.
Remember, just because you haven’t had a claim or would never intentionally do something wrong, you can still get sued. Insurtec is here for you every step of the way to defend your barbershop business.