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A Primer For Salon Owners - What You Need To Know About Salon Insurance.

A Primer For Salon Owners - What You Need To Know About Salon Insurance.

Salon Insurance is not but one policy, but couple of different policies

. Each nail salon, tanning salon, beauty salon, and hair salon proprietor should look at what sort of salon insurance they need.

Before that, let's talk about insurance generally. all Americans are accustomed to car insurance and,perhaps, homeowner's insurance. Salon insurance is kind of like the two of these coverages in certain parts.

Overall, insurance policies came around to spread risk between some organizations. If some sort of occurrence comes about, that party will be insurance for their loss through the insurance

organization. The insurance insurance organization takes a small payment from each person of their insurance company and provides most of that money to the person who saw a loss. In this way, each party pays a an amount of cash every year, and they are protected in case they see a a loss.A Primer For Salon Owners - What You Need To Know About Salon Insurance.


Insurance came from shipment ventures of the 1600s. It was a huge risk to sail a boat, a group of sailors, and items across the open water. The ship could sink, the group of sailors could revolt and take off, or plunderers could take the contents and kill the crew. At this time in the history books, almost anything could go down! So, the investors behind the ocean cargo companies joined cash together. Every company would pay a certain amount per ocean cargo and, in the event that one of the shipments was missing, the man who lost their shipping would be made whole from the funds set aside. Clearly, there must be many members to make an insurance policy to function - you can't have just a few members!

These days, we are not sending items across the Ocean (most of us, at least!). We are out driving a automobile on the highway and leaving it outside of restaurants. We all pay a certain amount to our auto insurance company - but what for? First, we're paying in case someone steals our automobile from outside that diner., or damages it somehow. Let's assume that someone steals the automobile. You come outside after a great dinner and - bam! - the automobile is gone. Weeks pass and your car is still not found. Now you're out $20,000 (or more!). Luckily, you have an insurance policy and the insurance company will pay for you to get a new auto, or a auto similar to your old car. But how do they pay you $20,000 when you haven't paid them that much in payments yet? A Primer For Salon Owners - What You Need To Know About Salon Insurance.


The other policyholders are helping pay for your new car! That's right everyone else who makes monthly payments paid for a little bit of your car. Not everyone who has a car insurance policy is going to have their automobile stolen or damaged that month or that year. Some people will never have to file a claim for theft or damage! So, you get a new car, everyone keeps paying the insurance company, and life continues. The same goes for an accident - your auto is repaired , the person who crashed into you has their car repaired ,, and the insurance company pays for it with everyone else's payments.

Are we still talking about salon insurance? Yes!

Salon Insurance works exactly like car insurance - many business organizations get together to give money to an insurance company each year. They are insuring against different things that might happen! A salon businessowner may have a salon patron fall on their floor and injure themselves. Another salon businessowner might have a tornado damage their valuables inside the salon and another owner might have a worker slip and fall and be hurt on the job. If a salon is destroyed, all other salon businessowners will pay for some of that salon to be fixed. Most of the other salon owners will not have their salon lost during that month, so, probably, everyone should help pay and will get a check if their salon is one day lost.

by: John Sampson
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A Primer For Salon Owners - What You Need To Know About Salon Insurance.