In the 12th episode of the Business of Style Podcast, hosted by BeautyCouncil, we welcomed Kieran Nock from Apollo Insurance for a friendly chat about insurance essentials for beauty professionals. Kieran broke down the ins and outs of securing insurance right from the start of your beauty career.

Kieran pointed out that getting insurance coverage early on is a smart move. He noted, "the moment you have dollar one coming through the door, you're going to want to have some sort of coverage in place.” This is vital because even activities like advertising, done before you actually start earning, could expose you to legal risks such as copyright infringement.

Here’s what we covered that you’ll find super helpful:

• Getting Covered Early: Starting with insurance coverage as soon as your business kicks off can shield you from unexpected liabilities.
• Understanding Liability Insurance: This type of insurance is crucial for covering damages for which you might be responsible, like injuries at your workspace or damages during a service.
• Professional Liability Insurance: Also known as Errors and Omissions Insurance, this is essential for services that impact clients directly, such as treatments. It protects you if something goes wrong during a service or if you forget a critical step.

Kieran also discussed specific scenarios, like renting a chair in a salon, which require particular attention to insurance needs. He emphasized that professionals in these situations should not only have general liability insurance but also consider additional coverage tailored to their arrangements.

For those new to business insurance, Kieran recommended chatting with an insurance professional to understand what coverage fits best and ensure it aligns with any contractual requirements.

This podcast episode is packed with straightforward advice for anyone in the beauty industry, from newcomers to experienced pros looking to understand their insurance needs better. Whether you're running a salon, renting a chair, or working independently, managing your business risks with the right insurance is key to keeping your operations smooth and secure.