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Do you own a laser or MediSpa business in Texas? Every type of spa, salon, and related business has inherent risk. Serving customers, employing personnel, and conducting business are rife with all sorts of risk. Sadly, some of these risks have the potential to undermine your business. The solution is to spend on insurance that safeguards your company. The specific types of insurance coverage your laser or MediSpa business needs hinges on your unique operations and risks.

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Coverage Options Your Business Needs

Salon insurance is available in many different forms, each of which is essential to protecting your MediSpa business and your bottom line. As an example, laser and MediSpa locations throughout Texas need workers’ compensation coverage opens in a new window. Even if you have a single employee, you need workers’ compensation coverage. Texas law mandates that you have such insurance and that it opens in a new window. Obtain this essential form of insurance and your enterprise won’t be sued should a worker be injured or fall ill due to activities related to medical spa treatments.

General Liability Insurance

General liability insurance opens in a new window is one of the most common types of insurance taken out by spa businesses and salons throughout Texas and beyond. General liability insurance protects you, the business owner, against general liability claims. As an example, if a personal injury occurs on your property or if there is damage to someone’s personal property at your place of business, this form of insurance will safeguard your hard-earned money in the event of an ensuing lawsuit.

Professional Liability

This form of insurance provides benefits should a customer file a claim insisting one of your employees or an independent contractor errs while providing services. Furthermore, if it is alleged the employee or independent contractor acted poorly, professional liability coverage will kick in and provide essential coverage that protects your assets against a judgment from a negligence lawsuit.

Property Coverage

Property insurance protects the building in which your laser and MediSpa operates along with its contents.

Abusive Acts

There is a chance one of your customers will file a claim related to some sort of employee abuse or even molestation. Should such a development take place, the coverage of the abusive act will prove applicable.

Key Takeaways:

  • Salons and spas throughout Texas must spend on insurance to safeguard their business against myriad risks
  • Between property coverage, workers’ compensation coverage, general liability, laser hair removal insurance, and beyond, there are plenty of different coverages every salon business needs

Contact Marine Agency for Your Insurance

Our insurance specialists are here to set you up with the insurance you need to conduct business without worry. Reach out to us today to find out more about the many different forms of insurance for laser and MediSpa locations in Texas. You can contact us to learn more about beauty experts’ insurance quotes coverage by dialing 800-763-4775 or emailing info@marineagency.com.

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