When leasing a chair in a hair salon, am I required to purchase liability insurance?

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When leasing a chair in a hair salon, am I required to purchase liability insurance?

I have leased a chair for over 5 years. There is no written contract. I have been a cosmetologist for 35 years. I have never had any need for liability insurance. The shop’s owner is requiring everyone to provide coverage. Am I legally required to incur this cost, which I consider useless and wasteful. Others may think they need it. I do not. Can I simply “self-insure” myself?

Asked on August 27, 2010 under Business Law, Missouri

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 13 years ago | Contributor

If there is no written contract, then your  lease is an oral (often incorrectly called verbal) one. An oral leasee is month to month, which means that it can be modified on one month's notice. That means that with 30 days or so notice, the shop you're leasing from can require you to get insurance--it can be made a requirement or term of the lease. If you don't get the insurance, you'd be in breach and the lease could be terminated and you evicted. Besides that, it's a good idea--are you self-insured for $500,000, for example? That's a not-unreaonable award if, for example, you were trimming someone's eyebrows or cutting their bangs, were startled by a car crash outside, and stuck a scissor or razor in someone's eye.


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