The Importance of Disability Insurance for Hair Stylists, Manicurists, and Barbers
As a hair stylist, manicurist, or barber, your hands are your livelihood. It would be
impossible to generate income if something were to happen to them—or if, God forbid,
you faced another injury or illness that prevented you from working. This is why having
disability insurance is so critical for beauty professionals.
When you work for yourself, there’s no HR department or benefit resources team to
help you get back on your feet. You alone are responsible for ensuring that your
financial obligations—such as mortgage payments, car loans, and daily living
expenses—are met, even when you’re unable to work.
If you own the building, you operate out of, you still need to cover building maintenance
and related costs. And if you rent a booth, in some cases, you may still be required to
pay rent while recovering to ensure you can continue working there once you’re ready to
return to your clients.
Disability insurance offers protection against these risks, providing financial support
when you need it most. It’s important to speak with a licensed health insurance
professional to determine the right amount of coverage to meet your financial needs,
should the unthinkable occur. Planning now can make all the difference in ensuring your
business and personal obligations are taken care of, no matter what life throws your
way.