Many hairstylists dream of opening their own salons. Instead of paying a fee to use another salon owner’s facilities, they could keep everything they earn. But with salon ownership comes a lot of liability and responsibility. If you intend to open your own salon, even if it’s just a small single-chair hair salon in your own home, you need to be prepared for the worst. The best way to do that is to invest in salon insurance.

Salon insurance plans work like most small business insurance plans.

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If you plan to have other stylists work under you or in your salon with you, you need to have insurance that covers them like a business owner would. In fact, the best salon insurance needs to include general liability insurance, property insurance, and worker’s comp insurance. All of these come together to create a comprehensive salon insurance plan that covers all of the worst-case scenarios you may face on the job.

With salon insurance, you won’t have to worry about clients getting injured on your property. If your employees need to go on maternity leave or get injured on the job, they will be able to get short-term disability benefits through the insurance plan as well.

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