Peace of mind for beauty professionals.

One of our clients posted a sign in their hair salon warning customers not to sit on the styling stools as they could be unstable. Unfortunately, even with the visible warning sign, one of their clients sat on one of the stools and subsequently fell off, injuring themselves during the fall.

A month after the incident the salon owner was served with a lawsuit. Fortunately, the salon owner had general liability insurance as part of their PROtique plan which meant the insurance company paid for a lawyer to defend the salon owner, and paid the $15,000 settlement to the injury victim.

Example A:
One of our esthetician clients, with 15 years’ experience, noticed shortly after starting a waxing procedure that the area was too tender to continue, and advised their client they were going to discontinue the treatment. The client was insistent that they wanted to continue with the waxing. Because the esthetician didn’t want to upset their client they continued, and the bikini wax was completed as per the client’s specifications.

Unfortunately, the waxing client returned the next day explaining that they had been to the hospital to receive stitches as they had experienced bleeding after the waxing procedure. The client had retained a lawyer who alleged professional negligence.

Fortunately, our esthetician client was covered by professional liability insurance, their PROtique insurance policy paid out almost $14,000 in settlement fees two years after the incident.

Example B:
Another example is where one of our clients had a new customer wanting her eyebrows and upper lips waxed. The customer had advised that she had very sensitive skin.

The experienced esthetician used a very pliable warm wax due to her client’s sensitive skin. However, the client asked for the wax to be at a higher temperature as they didn’t think the cooler wax would be effective.

The esthetician completed the service to the client’s specifications. The next day however, the client called to report she had been burned by the wax and was seeking compensation.

Fortunately, our client has professional liability insurance coverage through the PROtique Masterplan policy, which means she has peace of mind that this situation is being handled through the insurance company.

Example A:
A salon owner unfortunately experienced a property fire, which caused extensive damage, due to a candle that had been left burning after the spa had closed for the day. Because of the widespread fire damage, the spa was closed for a few months, this had a big impact on our client as the spa was their only source of income.

Through the PROtique policy the insurance company advanced funds immediately to the client, and eventually the whole claim was settled for just over $500,000, which covered lost profits, paid for ongoing expenses while the spa was closed, and paid to replace the lost contents, renovations and leasehold improvements.

Example B:
One of our salon owner clients had the unfortunate situation where a fire started in a neighbouring unit and spread to their property causing considerable damage.

Through the PROtique Masterplan insurance policy our client received funds to cover lost profits and to pay necessary ongoing expenses while the salon was closed due to the fire damage.

Unfortunately for our client, they had not increased their contents limit to account for the replacement cost of all furnishings, equipment, and stock, or the renovations and leasehold improvements she was responsible for in her leased unit. As a result, her insurance only covered a fraction of the actual loss. We were successful though in getting her a bigger settlement after we discovered an error in the original settlement offer.

An intense storm caused extensive water damage in our client’s hair salon, closing it down for several weeks until the flooring and drywall could be replaced.

To compensate our client for the lost revenue and expenses incurred to repair the salon, a total payout of $28,000 was made by the insurance company for PROtique. This helped our client retain key employees because they could continue to pay their salaries until the salon re-opened.