Barbers like any profession dealing with changing, maintaining or manipulation of another person’s physical appearance need to have insurance. The highest of legal payouts pertain to the physical damage of an individual, not necessarily meaning death or critical injury alone, but anything that can be considered an unwanted change of appearance can also be considered a violation. Barbers insurance coverage will guarantee in the event of gross dissatisfaction from a customer, compensation can be offered without detriment to the business and its financial situation.

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What could go wrong?

Apart from the usual disasters that can befall any business, a barber shop or hair salon has the responsibility to offer an exceptionally accurate support to their clients. It is an industry that has no mechanism for return of an assistance, there is an expectation of 100% satisfaction and cutting a customer’s hair is final; there is no going back.

Hair can be very differing amongst a client base, with certain products working perfectly for some and disastrously for others. A hair color for example may cause irritation, hair breakage or misfortune and in extreme cases anaphylactic allergic reactions resulting in death. The most common liable suits being tried in the law courts are “he said, she said” disagreements, where the plaintiff states that either their instruction or warning to a specialist co-op was ignored, resulting in damage or death and the defendant counter states that there was either no warning or they themselves had given warnings which were not adhered to.

An example of a barbers insurance coverable could be – A gentleman goes to the local barber to have his hair trimmed, colored and his mustache to match. The product is not suited to his scalp as he has an allergy to one of the ingredients within the color, resulting in a serious reaction which requires medical attention. The gentleman states in court that the barber didn’t pre-warn him of the possibility of allergic reaction and was assured it was safe; yet the barber states he mentioned the possibility, though did communicate the unlikely-hood of it happening. Who is right? Unfortunately they both are. Some sort of compensation is more likely to go to the gentleman as it was the duty of care of the barber to guarantee the absolute safety of patrons in his business.

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