SWG PL – Beauticians and Beauty Salons

Jul 2020

SWG PL – Beauticians and Beauty Salons

According to the Canadian Cosmetic Toiletry and Fragrance Association (CCTFA), Canada’s beauty industry rakes in $9.5 billion a year, and is steadily growing by 0.7% each year, especially in Quebec, Ontario, and British Columbia. (1) Beauticians require professional licensing in Canada as well as training from a certified cosmetology college.

More than just makeup, a beauticians’ work can also involve providing scalp treatments; shaping nails and cuticles; removing unwanted hair from the body; working with various chemical procedures such as bleaching and dyeing, recommending styling merchandise and hair or skin care products to customers; and taking care of the day-to-day tasks involved in running a beauty salon business.

A beauty salon can serve hundreds of clients every day, juggling customer service with health and safety measures and business administration. These salons need the right legal protection on their side in case something goes wrong. Here is where a savvy broker can help.

What could go wrong

A beauty salon can be hazardous for a variety of reasons, and anytime an employee or owner has been negligent, a client may have the right to sue. And while many of these events are unlikely, beauticians and beauty salons can pay a high cost if they’re not prepared for the worst-case scenario. A lawsuit could cause a business to close down temporarily or permanently, or a beautician to lose their license.

Unanticipated exposures from additional services:

Services such as tanning, massages, manicures, or pedicures increase the risks of a lawsuit which the beauty salon may not have considered. For example, a malfunction in a tanning bed could cause a customer to get burnt, a massage could result in a sexual assault allegation, and a pedicure with improperly sanitized tools could result in toenail fungus.

Injuries or damages to the client:

Other claims of negligence could come from hair damage and scalp or eye injuries. For example, if a hairdresser uses harsh chemicals to dye or texture their client’s hair, these chemicals can be left in too long, or the client may have an allergic reaction. Another example could be something as simple as a minor cut from a stylist’s scissors. Even if the injury is minor, an unhappy customer could decide to sue.

Lawsuits against the salon from clients or employees:

A beauty salon could face a lawsuit for slips and falls, for missing or stolen belongings, employee endangerment, damaged clothing, and emotional damage.

SWG PL: Beauty Operations Liability

SWG PL – Tattoo & Body Piercing/Beauty Operations Liability insurance is offered Canada-wide as a combined E&O and CGL insurance coverage for Tattoo, Body Piercing, Permanent-Makeup Artists, as well as Beauty Salon Operations.

Coverage Highlights:

  • Limit up to $3,000,000
  • Coverage for entire shop(s), individual artist(s), and/or Independent Contractors
  • Coverage available for tattooing or piercing of minors – with options to include piercing of ears, nose, navel, eyebrows, and tongue
  • Coverage for Dermal Anchoring, Surface Piercing, Ampallang and Apadravya
  • Communicable Disease ($50k sub-limit) coverage
  • Mobile Units
  • Competitive premiums
  • Commission to broker 15%

We Cover:

Including but not limited to the list below. Contact us if you don’t see what you’re looking for:

  • Tattoo (permanent or temporary including henna)
  • Body Piercing
  • Permanent makeup including Microblading
  • Pigment Lightening Removal (Saline or Laser/IPL)
  • Beauty Professionals
  • Laser Hair Removal, also includes removal of age spots, sun spots & liver spots
  • Claims Made Policy

Visit our website for more information.

Content is current as of the date of broadcast and is subject to change without notice.


  1. https://businesschief.com/leadership/beauty-business-canada