Duisburg, from the Königsgalerie shopping center to the inner harbor , is a city with a diverse range of hair salons and stylists. Whether you're aiming for the latest balayage trend or perfecting classic men's haircuts, your craft thrives on precision and creativity. However, especially when dealing with sensitive chemicals, sharp scissors, and demanding clients, a single moment of carelessness can quickly lead to a major problem.

A botched bleaching, a burn from the hairdryer, or a spilled dye bath that ruins the customer's expensive carpet: such cases are not uncommon in Duisburg salons and can quickly lead to high claims for damages.

The relevance for you as a hairdresser or stylist: Without the right insurance coverage, you are liable with your entire business and personal assets. We'll show you how to get optimal protection and how to react correctly in an emergency in Duisburg to avoid financial losses.

🛡️ Step-by-step: How to secure your salon in Duisburg

The key to safety lies in business liability insurance – indispensable for every hair salon.

1. Review and optimize your insurance coverage

• Business liability insurance (BHV): BHV is your most important protection. It covers the costs of personal injury and property damage that you or your employees cause to third parties (customers, suppliers, etc.).

  • Check the coverage amount: Make sure that the sum insured is high enough (at least 3 to 5 million euros is advisable) to be covered even in the event of serious personal injury.

  • Included services: Are so-called "work-related damages" (damage to the object you are currently working on – e.g., hair damage) and "rental property damage" (damage to the rented premises in Duisburg) adequately covered?

• Contents insurance: Protects your inventory (chairs, mirrors, technical equipment) and your stock against dangers such as fire, burglary, water damage and storms.

2. Act correctly in the event of damage

1. Remain calm and ensure safety: In case of injuries, provide first aid immediately and, if necessary, call emergency services (112).

2. Secure evidence: Document the damage before making any changes. Take photos of the hair damage, burned skin, or damaged client's property. Note the date, time, sequence of events, and people involved.

3. No admission of guilt: Never sign or confirm a customer's claim for damages in advance! This could jeopardize your insurance coverage. Simply promise to report the incident to the insurance company immediately.

4. Immediate damage report: Report the damage to your business liability insurance company as soon as possible

🚨 Typical problems and mistakes in hair salons and how to avoid them

In the hustle and bustle of daily business in Duisburg, the same risks often arise:

• The classic hair damage (activity damage): The color fails, the hair breaks off, or the scalp is burned.

  • Prevention: Always conduct a detailed skin and hair analysis before chemical treatments and document the results in writing. Obtain the client's written consent for the treatment (especially regarding risks).

• The unsafe tripping hazard: A customer trips over a loose cable, a wet floor, or a fallen pair of scissors. (Duty of care for public safety).

  • Avoidance: Pay meticulous attention to tidy and dry walkways – especially important in busy salons in downtown Duisburg .

• Damage caused by employees/trainees: A trainee causes damage to customer property or rented property.

  • Prevention: Regular training and close supervision of trainees. Ensure that your occupational liability insurance also covers damages caused by employed staff.

🤝 Your strong team: The support of Risk-BOT and Roland

Especially in cases involving personal injury or severe hair damage, which can incur high costs, the situation quickly becomes complicated. Risk-BOT and Roland offer independent and specialized support in these situations

• 🤖 AI-powered initial assessment: Risk-BOT quickly analyzes your claim and provides an initial, neutral assessment of your entitlements and the expected liability.

• ✅ Completeness check: Is the damage report complete? Are all important documents (customer records, photos, description of the damage) included? We help you prepare the documents in the best possible way from an insurance law perspective.

• ⚖️ Help with rejections or disputes: Is your insurance company refusing payment or do you disagree with the settlement amount? Roland supports you with legal expertise, examines the reasons for rejection, and handles the correspondence to protect your interests.

• Specialized advice for disputes with insurers: In complex cases, such as distinguishing between cosmetic defects (which the liability insurance does not cover) and actual hair damage (which it does cover), specialized advice is essential. We help to present the facts clearly and in a consumer-friendly manner.

🏛️ Official contact point: The Insurance Ombudsman

If you, as a consumer or small business owner, feel that your insurance company is handling the settlement unfairly, there is an independent arbitration body:

• The Insurance Ombudsman Association (Versicherungsombudsmann e. V.) is the state-recognized, free-of-charge arbitration body for consumers. You can contact them if you are dissatisfied with your insurer's decision.

• Important: The procedure is free of charge for you and the decision can be binding for the insurer up to a value in dispute of 10,000 euros.

• Website: You can find ongoing information at: https://www.versicherungsombudsmann.de/

💇 Practical example in Duisburg: The stain on the designer dress

Ms. Müller comes to your salon in the Dellviertel district of Duisburg to have her hair colored. While rinsing, your employee accidentally spills some dark hair dye onto Ms. Müller's brand-new, light-colored designer dress.

• The damage: Material damage to the customer's property (dress must be professionally cleaned or replaced).

• The reaction: They apologize, immediately take photos of the stain, and note down the details of the dress and the sequence of events. They promise to report the damage to their insurance company immediately.

• The solution: Your business liability insurance should cover this property damage. Should the insurance company attempt to reduce the payment (e.g., insist on the depreciated value of the dress even though it was new), you can contact Risk-BOT to ensure correct settlement and avoid financial disadvantages for your customer.

Members can open a claim ticket at any time and check its processing status at: https://risk-bot.de/schaden-melden-schnell-sicher-richtig/