Are you wondering whether or not your barbershop in Hilton Head Island, SC needs commercial insurance? Barbershops, just like all businesses, need commercial insurance. The following are some of the reasons why:
A Customer may Slip And Fall
Accidents cannot be completely avoided. There is always a chance of a customer getting hurt in your barbershop. General liability insurance covers you in such instances. It pays for medical fees and repair or replacement of damaged property.
You May Be Sued For Professional Negligence
You may accidentally use chemicals that are too harsh on skin or tools that are too sharp. If you do, customers may sue you. Professional liability insurance helps take care of negligence claims.
Your Equipment May Get Damaged Or Lost
You may not be able to go about with business if your equipment gets damaged. Equipment could be damaged by fire or floods. Business equipment insurance covers you against loss or damage of your business equipment
An Employee May Get Injured At Work
The job at your barbershop may take its toll on your employees. The sharp tools, such as razors, can injure your employees. As an employer, you will be obligated to get treatment for them. Workers compensation insurance offers you financial protection in the event of injury or illness of an employee. It also pays for legal charges in case of lawsuits.
Your Business Buildings May Be Damaged
Business buildings insurance covers you in case of damage to your barbershop as a result of covered perils such as fires and vandalism.
Premier Insurance Advisors in Hilton Head Island, SC writes quotes for commercial coverage and other areas of insurance. Premier Insurance Advisors is ready to work with you to build a policy and protect your business. Visit our offices to discuss a new quote or contact us at 843-689-5300.