Celebrities insure their legs, faces and other body parts for millions of dollars. Why? Because it’s how they put bread, money as they call it, on the table.
As a nail tech, wig maker, barber, MUA, or hairstylist, you need to insure your money makers too.
Depending upon how long you’ve been in the hair industry, “your hands could be worth hundreds of thousands, millions even.” Think about wages lost if you suffered a broken hand or severe laceration and had to stop using your hands and heal. That could mean the difference between keeping your business or losing it.
This discussion isn’t designed to scare you, no. It’s designed to share the importance of securing your future. Also taking care of yourself and your family. And to get you thinking about your worth.
People never think twice about health insurance for the body. But there are policies out there for just hands, legs or faces as well.
Disability insurance is a policy that will pay you a monthly benefit if you become disabled or not able to work due to injury , illness or accidents. It’s one of the only insurance that protects your income. If you are out of work for any of these reasons this insurance will ensure that you get a check to take care of yourself. It usually cost 2% of your gross income. Premiums may cost you between $1 to $3 a day. This is a small price to pay to ensure that you get a check when you’re not able to work.
The first place to start the discussion of insurance is with your current insurer. If you want to go a step further, reach out to an independent broker to see what options they have. You may even have the option to create a unique policy.
About Jane Oriahki Harris – Jane is the wigmaker, owner and mastermind behind glueless wig brand, The Virgin Hair Fantasy. She has been insured for several years and has helped dozens of entrepreneurs get insured as well.