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How to Avoid an Insurance Claim

Insurance is essential to any business, and the beauty industry is no exception. Every owner should have the right insurance coverage and avoiding claims should also be a top priority, as they can result in costly legal fees and harm the reputation of your business.

One of the most important things you can do as a manager or owner is to understand your policy.  You must know what is and is not covered, as common exclusions in your policy can mean you are not fully covered.

Needless to say, running a beauty business involves risks to your customers.  From allergic reactions, burns, or injuries from beauty equipment, there is a good chance that you will have a claim at some point in your business.  To mitigate the chance of this, proper training, equipment maintenance, and high-quality products are a must. It’s also important to follow industry regulations and manufacturer guidelines for products and equipment.

Additionally, documentation can save you if you have a customer claim.  It’s essential to have a clear and accurate paper trail of everything related to your business, including consent and release forms, contracts, receipts, customer notes, and invoices.  A detailed paper trail enables you to provide evidence of the services, the products used, and the fees charged, which can be invaluable in a disagreement or claim by a customer.

Finally, the best way to avoid an insurance claim is to avoid customers who are excessively demanding or have image dysphoria.  And ensuring that you have a good workplace culture – where employees stay positive and engaged – is also key.  

If you have questions about insurance, contact an expert at Allied Beauty Experts.  We look forward to serving your needs and ensuring you are properly covered.