In recent years, salons have started to rent more and more chairs or booths instead of hiring employees. This is a great working model for many salons; it allows both parties a lot of flexibility. But it’s very important to set this system up right. If you are a stylist considering renting a chair in a salon, you should remember to pay attention to several details:

-      Insist in getting a written contract from the salon owner, specifying each party’s rights and responsibilities in detail. Even if you are good friends, if something goes south, you will be happy to have a signed agreement. If the salon owner doesn’t have an agreement form, you can purchase one online: salonboothrentaltoolkit.com. An attorney can also double-check a contract that has been drafted by the salon owner.

-      Get your own professional liability insurance. The salon owner provides liability coverage for the salon, but since you are an independent contractor, you need to make certain you are protected if you get sued by a client that suffered a rash or burn from chemicals you used for a treatment.

-      Some states require that hair-dressers, nail technicians, beauticians, and barbers provide proof of insurance to get their license. In Washington, for example, it is mandatory to purchase a liability policy with a minimum $100,000 limit. Some states don’t regulate insurance, however, if you are responsible for an injury, the courts will hold you financially liable. This insurance policy is not expensive.  Generally, an annual premium runs less than two hundred dollars.

Renting a chair in an established salon is like being your own boss, but without having to invest a lot of money to open your own shop. You decide how much you work and when. You may also be able to save money on advertising and marketing if you work out a deal with the salon owner and fellow chair-renting beauticians to collaborate on these efforts.

If you think this would be something for you, we can help with all your insurance needs. To receive a free quote for your professional liability policy, e-mail or call Homer Smith Insurance directly at 888-433-0031. We are dedicated to helping you get the coverage you need. An independent insurance agency, we are licensed in, and serve, Washington state.

Petra Crosier, Homer Smith Insurance