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Wilkes-Barre, PA 18702

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Insurance Blog

Starting Up My Salon. Do I Need Commercial Insurance?

If you are thinking about setting up a salon, then there is a high chance that this will end up being the thing that pays the bills and supports your family. This means that you need to get the right commercial insurance from The Shay Agency to keep your investment secure.

Remember the fact that your beauty salon will act as a one-stop-shop for your customers’ every beauty need. However, you must realize the fact that things can go wrong at any time and you may find yourself in a disaster or accident no matter how professional you may be.

Your commercial insurance in Scranton or Wilkes-Barre, PA will protect your small business against that angry client whose eyebrows were waxed too thin or who experienced a severe allergic reaction to the hair dye that you used. Here are some of the top reasons why you should purchase a commercial insurance policy if you are starting a salon.

The Beauty Products that You Use May Be Recalled

To help you maximize profits, you will probably sell beauty products in your salon. To make your clients start using that particular product that you stock, you will have to demonstrate the product by using it on them during their routine appointments and tell them why you think that is a good brand.

 A few months or years later, the product that you have been recommending to your clients is recalled from the stores. How will your loyal clients feel? They’ll feel cheated and assume that you didn’t vet the product, but instead, you were just after the profit. 

Finally, some of your customers may decide to walk away, and your business will drop. This means that your enterprise will suffer significant financial losses as a result of the above scenario. Luckily, your commercial insurance from The Shay Agency may be reimbursed if the scenario is included in business interruption.

Your Salon May Suffer Damages Due to a Fire

The back room of your beauty salon where you store your essential oils, nail polishes, hair dye, and other highly flammable chemicals is considered a high-risk area. If precautionary measures aren’t taken, your store could easily end up in flames.

However, the business’s property damage coverage may cover such damages and ensure that you can still serve your clients afterward. Without a commercial insurance policy, could you manage the financial effects of such a disaster?

Do you run a beauty salon in Scranton or Wilkes-Barre, PA? Contact The Shay Agency today for a client-friendly commercial insurance policy.