What type of insurance is essential for a hairdresser to protect against malpractice claims?

Professional liability insurance, also known as malpractice insurance, is essential for a hairdresser because it specifically protects against claims of negligence, misconduct, or failure to perform professional duties that result in client harm. In the beauty industry, hairdressers provide services that, if not done properly, could lead to injuries or dissatisfaction. For example, a hairdresser could be held liable if a client suffers an allergic reaction to a dye used or if a service performed leads to physical injury. This type of insurance covers legal fees, settlements, and judgments arising from such claims, which could otherwise be financially devastating for a professional.

In contrast, general liability insurance typically covers third-party bodily injury and property damage, while workers' compensation is designed for employee injuries on the job. Property insurance protects against loss or damage to the salon's physical assets. While these types of insurance are crucial for a well-rounded risk management plan, they do not provide the specific coverage needed to address the unique risks associated with professional services offered by hairdressers.