Anyone who feels that a compensation claim can be made against them will need public liability insurance. As a hair professional, it is very important to buy public liability insurance. Whether you are a mobile hair professional or you own a hair salon, you regularly come in contact with a lot of people. This puts you at high risk of being charged with a lawsuit. Without public liability insurance, you are going to have trouble coming up with the compensation amount or the legal fees.
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Why you need public liability insurance as a hair professional
It may seem far-fetched to think that you could be sued because of your profession. But it is now more likely than ever to be sued if you are a self-employed professional. With public liability insurance, you will know that the compensation claim amount will be taken care of but the one thing that can really be useful is that the insurer is also going to handle the lawsuit for you. This means that you are going to get legal help as and when you need it to defend you in court.
Another reason why getting public liability insurance is so important is that our society has become litigious in nature and it is common to have people sue others for minor reasons. As a hairdresser, it is important for you to protect your livelihood and a good way to start is to buy public liability insurance.
It is integral that you buy a cover that is suited to you and your profession instead of a standard public liability insurance. This will stand you in good stead when the time comes.
What will public liability insurance cover?
When a person claims compensation alleging that you have done something or even failed to do something that caused them to be injured or lead to property damage, public liability insurance will cover it. For example, you may have mopped the floor of your hair salon and a customer may have tripped and fallen down causing injury. She can go to court because you failed to warn her. The coverage will not only include the compensation amount, but it will also include the legal costs as well as any other expenses that may be incurred.
Hair professional public liability insurance cover: What you have to get
It is critical to point out here that what you need as a hair professional may not be what a standard public liability insurance cover has. You will beneeding more. This is because standard plans will cover only if property damage or injury happens and if nothing of the sort happens, you won’t be covered. That is why you need to following extensions:
- Financial loss: This is an integral addition to the standard public liability insurance you buy as a hair professional. This is because you can be sued by a customer even if there was no property damage or injury. For example, if you colour someone’s hair the wrong shade and she turns out to be a model whose livelihood depends on how she looks, you can well be sued even though there was no property damage or injury. With this extension, claims for purely financial reasons will also be covered.
- Treatment risk: Another thing that a standard public liability insurance will not cover is if a compensation claim were to arise because of your professional activities. That is why buying treatment risk extension is crucial.
Expert legal defence
Dealing with a compensation claim on your own is next to impossible. You need expert help. When you buy public liability insurance, you not only get financial cover, but you also get expert legal defence which is crucial if you want to win the case. The insurer is going to do its best to make sure that you win the compensation case and that is going to help you in court.
The truth is that even minor compensation claims can be tough to deal with in the financial sense. That is why as a hair professional you need to be smart and make sure that you have adequate public liability insurance cover to prevent financial ruin.