This webinar features Dr Tye Caldwell , CEO of ShearShare Chris Moore, head of ibott at Apollo Martin Burlngame, CEO of Barefoot insurance the three touched on professional liability insurance, how this year has been a year of overcoming and perseverance, and how doing business without coverage could be very dangerous!
Full Transcript Below:
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joining us and welcome to the protection and liability webinar the importance of insurance and why you
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need it today we have dr ty caldwell who is the ceo of shareshare
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we have martin berlingame who is the ceo of barefoot insurance as well as
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chris moore who is the head of ibot for apollo thank everyone for joining thanks a lot
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yeah thank you i’m going to pass it over to dr caldwell to get everyone started
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thank you angel and thank you guys for joining us uh chris moore and martin burlingame you
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know this is going to be what i consider not just education but an amazing webinar because i think that you know as
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sheer share is um becoming this ecosystem for the beauty industry and trailblazing
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we are also trailblazing with another um insurance leverage for the industry and
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you know i think this is something that’s so important so i just really want to get you guys take on you know a few questions that we
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have and kind of how we’re going to you know not just partner but help this gig economy in the beauty
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industry as we are relating to so much now uh with the technology as it’s starting to become a
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little bit more faster as people are starting to become a business of one uh people who are realizing that now as
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this world changes they want to now leverage in their business not just in
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the beauty industry as a licensed professional but also as a licensed owner so we want to just kind of get some
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things uh kind of understood and give education and plus thought-provoking answers to the
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questions that i will provide today sounds good sounds great sounds good
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all right so you know i think that you know a lot of people don’t really understand
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a lot about um how this industry works from a business standpoint
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and i just kind of want to start with you uh chris and then follow on with with martin my first question would be
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how do you see our industry transforming in the next five years as related to insurance
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yeah sure i think what’s really interesting is you know companies like share share and
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and others in this sort of shared space right have have actually caused a somewhat of a
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disruption in a traditional industry like insurance insurance was always something that
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went with huge corporations from a commercial setting and personal insurance was really your home insurance or your car
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insurance and and what’s now happening is people want to work in different ways
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right they want to work where they want when they want in a much more flexible agile basis
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and so you know platforms like shareshare are catering for that within the beauty industry well the the big hurdle there is well
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insurance doesn’t really work like that insurance is normally bought for an old by an organization
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for 12 months and that that’s how it works now you’ve got these individual independent contractors
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if you want to call them that that actually now need insurance that’s flexible because their work is so
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different and their locations are so different so it’s moving away from that traditional bricks and mortar
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type model to a much more dynamic one and i think what i commend the shareshare team for doing
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is taking insurance on board realizing it’s so important for your for your consumers for your users and
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creating a really easy and accessible solution to support people so that they can work in the in these
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new ways of working thank you thank you to tag on with
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with chris is um we were talking about the 12-month policies your traditional beautician policy is
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sold by half dozen 20 companies and it’s limited really to one location
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and you put your address of where you do your work and you show up it will work at whatever day of the
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week it is and you leave at the end of the day and it really contemplated everyone being employees of the company and now
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everyone’s going to a gig economy 10.99 and it allows the beautician the beauty
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salons alone can rent out empty seats to 1099 contractors
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and it gives you the flexibility as a beautician to have clients in different parts of the
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of the city and have offices wherever you go so you can go to the south end of the city
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and have your dozen clients there in one day and go to the north end and have two days there and if you don’t
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want to work you don’t have to work and it makes the insurance completely based on the amount of business coming
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in versus a guess about how much you’re going to write that is so amazing and i think that as
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you as you say that my mind just starts to swirl around i’m like how exciting that could be for people to
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get away from the old adage and i own a salon barbershop that my brother manages and of course we have
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to always send the form in to to the uh to the leasing people who release uh the
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brick and mortar from and i just think i just did that a few days ago so it’s one of those things where it is not as as bad as as it used to be
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but as we start to transition into this new wave it makes things so much more easier and
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it makes it flexible for this for people to now not to be scared of insurance and so i
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really like the way you put that um so amazing questions and i really
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hope that the listeners are gathering and understanding why we’re we’re bringing this to the forefront my
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second question is going to be you know i think that i want you to start with this martin and it’s it’s one of those things that i
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think people should really listen to uh in in a lot of ways so they can understand how things are changing
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so my question is what are some things owners or separately stylists should keep in mind when starting a
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business or looking for insurance well i mean that’s a tough question uh
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assuming you do all the requirements of federal id number and all the rigamarole that states require
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us to jump through um when you look which is we all know a
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massive stack that keeps getting bigger and bigger and bigger um the first thing they need to do is they got to figure out where they’re
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working and they have to read what their what they’re buying so quite often
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i see in the stylist more in the beauty salon area where a salon will buy an
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insurance policy and not take into account that a lot of the people working
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in their salon are 1099 contractors and quite often their insurance and their lease requires
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all subcontractors to have insurance as well people don’t read what they buy i mean
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that is a we were all guilty of this when was the last time when we bought a house or something that you actually read every
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single page of the six thousand page document in large font you just initialed every page
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saying you’d read it and you flipped them all through and you didn’t read what you bought um we’re all guilty of that
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so i i don’t read my car insurance policy and i’m an insurance so i’m in the same boat but you need to
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understand the basic caveats of what your lease requires and you sign a contract with somebody
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for a brick and mortar and they tell you a b and c and you need to comply with a b and c and if d is your independent
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contractors have insurance then d needs to happen because if something bad happens
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you just don’t want to give an out to everyone to just hand the blame to you and not pay for anything
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absolutely you want to add to that chris yeah i mean i’m quite passionate in my own
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world of being relatively disruptive or innovative whatever you want to call it for me i’m one of those strange
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anomalies that actually love insurance um and i can bore anyone to death about the joys of insurance if they’re if
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they’re willing to listen but i think for me as someone to see in the industry
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i think it’s a failing of us that we create these documents that nobody wants to read so the passion for me and when i work
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with martin and working with you know the shareshare team is we actually want to create something that’s actually really easy to understand
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really transparent and really simple so your users really know what they are are buying my advice to stylists would
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be it doesn’t have to be that really complicated annual policy we’re talking about a usage-based
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insurance so you only you know pay as you use it right so you’re having an accurate premium
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reflective of how much exposure the insurance company is facing um and i think again to to echo martin’s
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point on the actual salons and the bricks and mortar type is is just make sure you really understand
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the coverage that you’re buying and make sure that um it’s compliant with it so if there are independent contractors just check
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you know if it’s through the shareshare platform have you got the insurance that the guys are offering and and and that’s the the best way to make
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sure that everyone is covered that’s great i i laughed martin because
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you said something this answer’s so great chris i really love it i echo to what martin says as well we do
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not read thoroughly you know what we are buying and i never forget you know being a salon and
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barbershop owner for over 20 years when i first started i never really thought about because it’s a lot of paperwork so you want to
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read the things that are that make sense but you really want to know what you’re covering but if i had to speak
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to the licensed professionals i had to speak to the salon and barbershop owners the spa owners and the people who are coming into the
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industry are wanting to come into the industry you know we’re a business you know when we first start out i think that most
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people forget that they’re trying to build clientele they’re trying to make a name for themselves so what they call that now that they
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didn’t call it back then is branding what they call it now is what they didn’t call it back then is a salon of one you know a lot of people
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are working now in law and suites a lot of people are working in stations a lot of independent contractors just own that station that
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they’re working at for the time that they’re leasing it for and they’re a business so if you’re going to get insurance
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you’re not only protecting yourself you’re protecting the salon and the things that could break or possibly could go wrong you protect your
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customers anything that could happen and so you want to make sure that you’re reading and i would always tell people
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buy and purchase insurance i never forget when i when i first got approved for it i thought that i hit the lottery because
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you have to have it in order to really protect your business in order to protect yourself and your reputation is online with that
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as well so everything that you guys are saying is so important but if i had to just really really sing
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it to the to the mountaintop i would say get some insurance and do not be afraid to invest in yourself
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insurance is an investment for your business and long-term investment because you just never know what’s going to happen
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a lot of free things happen a lot of things you don’t expect to happen and it could be anything from a third in
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the electricity electricity box it could be anything from a chair breaking down it could be anything from a client falling
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or anything from you hurting a client that you didn’t expect to do insurance if you get the right coverage insurance will cover that
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so those are the things that i think from your answers has really really been good and it’s really some of the things that
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i think licensed professionals don’t really come to thought to the thought process or mind to do
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because they’re thinking about so many other things that may not be as important but insurance is at the top for me yeah
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i mean i i don’t think we do a very good job of marketing ourselves on industry most people when they think of insurance think of
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the multitudes of ads that are on their tvs interrupting their their programs and having to see all
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these annoying ads but you know insurance is there to rebuild lives when when the worst possible things happen you know if a hurricane
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comes through you know those homes are rebuilt by insurance companies for the premiums they’ve collected so
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whilst it might not be the most glamorous thing to buy and some people get frustrated they have to buy every year
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when something really bad does happen and it’s the uncontrollable it’s the best decision you ever made
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that you bought that insurance product because you know it can keep you afloat as a business absolutely and i never forget my dad
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told me a long time ago uh when i got a car you have to buy insurance he wouldn’t even let me drive the car if i didn’t have insurance
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if he was arrested if it was an old car and you couldn’t get full coverage at least get liability you could cover
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the other driver even if you don’t know yourself because your car might not be you know worth anything enough to to get
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rebuilt or buy news but you can at least cover the person that is that you have a wreck with if it’s your fault so i think that it’s so
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important for people to really understand and understand the blurred lines that are in between them
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and and and insurance for the things that could possibly happen so our great answers guys i really appreciate it did
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you have anything to add to that martin no it’s uh insurance is cut catastrophe
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protection right and it’s been a year of catastrophes uh 2020 will go down in the record books is
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one of those uh so uh and there’s been a lot of insurance payouts for it right we’ve had hurricanes fires
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la ninas el ninos el dorados uh i mean it just goes on cova i mean it
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just goes on and on and on for the year so um i mean it’s an important thing and you know one of the real good things
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that we didn’t bring about your platform is the ability to scale up and down depending on what’s going on in governmental shutdowns
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so you know if you’re if it’s on a usage base and people aren’t being able to work
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then they don’t have to pay for insurance which is really a great idea in the gig economy kind of structure
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instead of having to have a forced outlay of money wow that’s great you know and from my
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next question is it’s kind of if i want to get your guys perspective on this and take you know not coming from
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the beauty industry but seeing things from so many different variables and different industries i want to kind of
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get your thoughts what are some of the pitfalls of beauty professionals not having
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insurance and and really diving into that question i want to start with you uh uh martin
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um the biggest issues of injury of clients right i mean that’s going to be your biggest problem
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um does it happen i mean it can it doesn’t happen very often
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the more complex i mean if you get out of barbers and hairdressers and get into more
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complicated procedures skin peels and so on then that kind of stuff can happen i use my mom as a classic example she
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had something on her arm and they did and it just ripped all the skin and she had six months of dealing with
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that unexpected she’s in her late 80s frail skin and that’s what the insurance
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company for the salon paid for because it was i mean nobody intends to hurt anyone but
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sometimes it does happen and you don’t want um to deal with the problems that occur
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the biggest thing about the insurance is legal defense right it gets you attorneys to protect you when you get sued for something and
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lawsuits are one of the most expensive sides even if there’s no payout the cost of paying attorneys on a daily
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basis or hourly or by the minute or by the six minutes whatever they charge um is very expensive and get very very
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expensive fast and this gets you protection to at least defend yourself and present the fact that you might not have done
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anything wrong yeah and i i would just add to that i think beyond
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just the financial protection right because defense you know litigation um and medical bills in in in areas
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united states are incredibly expensive even for somewhat somewhat minor injuries you might think
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so you’ve got that financial protection from the insurance product but i also think and to touch on a point you said ty
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everyone is looking after that brand you spend your your life creating that brand that image that reputation and i like to call it
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that trust you know if you know for me my wife even during covert has not touched my hair
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there is no way i’ve got a trust with my barber he cuts my hair he cuts it the way i like he cuts it and
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it’s taken a long time for me to have that trust that i you know i don’t even need to say anything more he cuts my hair and
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insurance helps protect that trust that you have with your consumers so if something happens insurance steps in to protect your brand
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to to make things right to bring about a better quick resolution for somebody that’s either injured or had some
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damaged property so that you keep that brand you keep that trust to your consumers and i think that’s that’s a really important aspect of the
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product as well that is such a great answer uh from both of you guys i think i got two stories
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from the first perspective is i i i’ve been in this business long enough to see injuries happen i always tell young kids
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that we’re coming in with their parents no running i tell people don’t come in there if they i make sure i’ve got a car uh
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something for people to clean their feet on outside so that they won’t slip on the on the floor when they come in from rain
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or whatever or ice and and i think people don’t realize how important it is to to share that
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information with your clients you know but at the same time letting them know that you are insured
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but i think that if you’re honest with people you won’t have to deal with people trying to hurt themselves on purpose and
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stuff like that but one also the things that i like about shareshare is that we’re adding this to the platform but we’re also kind of
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uh getting rid of this intermediation i think so many times this industry is so uh fragmented that people start to build
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trust in people but when you haven’t when you don’t deal when you don’t have insurance and people just kind of want to say okay
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they want to say okay well ty you know randy wants to come in and say hey you know what i don’t want to go through sheer share
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but uh can i go through you well it’s up to the the salon host
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a barbershop host and the user to say hey you know what if something happens to me or my client how is this going to get taken care of
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well if you go if you just intermediate and do it on your own now you’ve taken share share out of it
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one of the things i like about having insurance that the people can trust the platform when i when i get when i look for uber
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ride when i go for airbnb state it’s not i don’t trust the host i trust
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the platform so when you’re building trust you’re building trust with the platform because they’re doing everything they can to
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make sure that they’re they’re taking care of not only you but your customers as well and at the same time it’s not taken away from your
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business it’s not taking away from your brand nor is it taken away from your trust now you can say i trust shareshare
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because i trust the platform and i think that people forget that so i think the pitfalls and the professionals
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not having insurance is so major and it can be something that can really hurt their business and their trust and now that we live in
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a world where it’s you know ratings and reviews people get rating no not only will we
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have to remove you but you’re showing that the fact that you disintermediated now we can’t trust the fact that you
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won’t do it again so we have to remove you from the platform so i think having trust from the lawn salon host and barbershop host
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is super important so that they now can build that trust it’s all about personal relationships
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but when you add that layer of interpersonal relationships through tech people can look at the platform and say now i trust the user that’s coming
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through when i book through uber when i book through airbnb and they accept my booking i i trust the person that’s accepting it
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because they trust the platform that they’re working under so i think it’s so important for people to hear
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these answers just so that they can understand why we’re why we’re giving the them the answers to the test oh you’re
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absolutely right i mean i i use rideshare services all the time you know and so if i’m in the us i’m using
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uh lyft or uber you know i’m happily getting into a stranger’s vehicle because i’ve got the like you say the
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trust and the platform i’ve if someone said to me would you get into a stranger’s vehicle off one of those platforms well that’s
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that sounds crazy still but i wouldn’t do that because i don’t have the trust but i think yes the
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insurance is part of it but also you know to qualify for that insurance or to qualify as a host
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on shareshare you’ve done a lot of vetting and you’ve done you know your checks and balances and
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made sure that there’s risks there that are being controlled and that you’re putting people in safe
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environments and things like that so it’s that sort of thing that i think creates the trust and this is a classic example that risk and safety
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is crucial to shareshare because you’ve you’ve built an insurance program to support it um and that’s just a testament to to how
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you guys approach the business great great anything you want to add to that martin no i mean it’s
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it’s all platform driven right uh the world’s going to platforms the gig
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economy is here and is growing and growing and where people trust we can start
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trusting the platform uh for just as chris and you were mentioning and that’s what becomes
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important it just makes it easier to use a platform and
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link up and get what you need out of it than to try to in your case individually book at a salon to go you
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know i’m going to the south end of town and what’s available in that area here i can find out
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immediately whenever wherever i can book it i can set it up i can already be working on my
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brand with my customers i can actually book a month out two months out i can schedule everything i can work on
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my clients i make my life easy which is what you’re doing you’re making the salon
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stylists life easy so they can do what they do which is cut hair and make money right i mean they don’t
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want to be in the booking business yeah you’re right that’s so funny guys i
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i think that we’re going to be a hit when people really listen to this and we’re going to eventually have to get
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back on another one we’re going to come we’re coming down to the close of this webinar and i want to get your take on
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this last question uh before angel hops back on so when um
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when you end this thing more and i’m gonna let you get your last say but i want to start with you listen this this this question is is
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really big and i guess you kind of understand it too but as the gig economy and sharing economy grow why is it important for
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this segment or individuals of this economy to be protected yeah sure i i think the gig economy and
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we’ve seen it in in the most recent election right um that there the once you get all the flexibility
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once you get all the agility that you can do lots of different things and it’s no longer you know you have one job and that’s all
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you do you you can live a life that’s so much more full than that and you could just be so much diversity in your life
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the one thing that sometimes isn’t catered for is you don’t get the sort of same amount of benefits and protections
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and security that sits with a traditional employment model and so what we’re trying to build here
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is an insurance product that gives you the sort of protections you would get is it if you were operating as an employee
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and now no one wants to see bad things happen but sometimes they do and they’re uncontrollable and all we’re trying to make sure that
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just because you’re in a gig type setting and they share an economy that you still have all the security all the protections you
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would get in the old traditional model we don’t want this to be a negative we just want it to be you know a pure
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positive so we’re putting these you know this safety blanket around people um so that we can you know
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keep keep pushing the boundaries of how big this growth can be and and shaping what the future looks like
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amazing well i mean the biggest thing about the gig economy is flexibility to do
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anything anywhere um so on the shareshare platform it allows a stylist
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to really plan out their life in a way they want to live it as opposed to being dictated by a nine
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to five job somewhere right so they want to schedule things
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six weeks out and work and travel and you know not work for two weeks they can do all that kind of stuff it gives them
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the complete flexibility to manage their own schedule their own time and their own income at the same time there’s a lot of
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protections as chris was mentioned that have to exist and what we’re doing is we’re taking the yearly protections and taking them on a
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usage basis and as the gig economy continues to grow and get more predominant
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you’re going to see things like health insurance and and other products that are going to expand out to handle gig
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economy workers across the entire thing so it’s not requirement of being at one
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job you can fractionally pay for it or or pay it from different locations
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it’s not going away people want flexibility at all i mean that’s what we people want they want to be able to work from anywhere
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well i mean i don’t think any of us are sitting in our in our brick and mortar offices right now
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no we’re all working remote and that’s what’s happening that’s a great thing you said something
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and i want the the listeners to understand this word usage basic usage basic
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i think that what people don’t understand is is that as we deal with the iconic the gig economy as
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we deal with on demand as we deal with things like that you you said that word usage is is major and
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i think that they need to understand that it’s not about like that yearly uh insurance is it’s
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not about monthly it’s based on the usage of it so i am so excited uh
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just for you guys to be a part of our journey as we trailblaze something that’s never been and that we’ve been
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dating for a while chris and you know that we talked a long time ago and we and we’re just so glad that it came to this to
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this day and yeah you brought in martin everything has been so amazing so i’m sure that the this is gonna you
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guys are gonna be rock stars for us and we’re gonna have to hop on again one day but we’re getting ready to go into
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the q a and i really want to be able to give these um give these answers to whoever uh that
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has come in so let’s see what we got so far so i’m back um okay so we’re going to jump into our
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first question this question comes from marcus from los angeles california and he says
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do i need to have insurance if i’m an independent contractor wow i would definitely say yes i
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encourage all licensed beauty and bargain professionals to have or get coverage for protection of themselves and their customers like we
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talked about earlier i think it is very important as business owners that we take the necessary steps
25:48
to build and maintain our business for long term liabilities will happen that’s just the bottom line and what
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in what capacity in what way small or large we don’t know but when legally not every state mandates that
25:59
independent contract to carry professional liability insurance but it is definitely unnecessary to be a professional i always want to let
26:06
individuals know in this time in this day and this age if you have insurance you have you have put yourself ahead of
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your of your competition and you have put yourself in the in the position to really consider yourself a professional
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because you’re doing all the right things to to limit anything that comes into play if there is um anything to
26:27
happen as a liability you’re able to take care of that because you you’re now paying for that insurance on the protection
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not just for yourself but for your customers okay um we have a question from
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brittany from houston texas and she says this is for uh chris and martin how
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did you get into providing insurance for the sharing slash gig economy oh
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chris chris and i are on different when we’re not on different sides but we are chris is the insurance company
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and i’m the insurance agent side of it so it’s probably the best way
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so from the insurance agent side um we just started getting approached by a
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lot of different platforms uh to provide insurance for the platforms we’ve got about 20 different
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platforms that are that needed insurance for their independent contractors
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and it’s also fascinating i mean you you want to work on stuff that’s exciting and new and different
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and requires you to think i mean that’s what we all want to do on a daily basis and the gig economy is ever evolving and
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ever changing and requires really knowing your stuff and keeping current on your stuff which
27:40
is really interesting and fun chris how did you guys get into ibot um my story starts in a bar like most
27:47
other stories i suppose so i i was at a um i was at a bar in an insurance conference so
27:54
a true rockstar conference that was but was approached by a sharing economy platform a pretty big one
28:00
in 2013 and just going to a conversation and they said look we’re really struggling to
28:06
find the insurance product we want and and it came down to that a traditional company buys insurance to protect
28:13
its employees and its assets and most sharing economy platforms don’t own any assets and so it was a
28:19
real challenging insurance aspect and what they were trying to do was build trust by getting people to utilize
28:26
their service which was in fact sharing homes um and they were trying to provide an insurance
28:32
product that protected all these homeowners that were allowing strangers into their into their houses um so they wanted to
28:39
ensure something they didn’t own and that was the challenge and it was amazing they were doing that to protect trust and
28:45
to build that trust because you know you’re not going to put your most prized asset which is your home onto a platform to be utilized by
28:51
strangers if you don’t know there’s an insurance product that if there’s any damages or anyone gets hurt that’s going to pay for that damage um
28:59
so we built that program um and then just realized that the opportunity and the growth in the
29:04
sharing economy was a huge um a huge opportunity and there just wasn’t insurance products
29:10
on that usage based metric within this space for gig workers and so you know it’s it’s thankfully
29:16
allowed us to meet some some fascinating companies with some some incredibly bright futures
29:22
um but we’re just trying to cater for a new type of insurance product that currently doesn’t exist so it’s been
29:28
really exciting that’s great uh thanks brittany and i want to say this to brittany and also
29:34
to the listeners and share this aloud you know and sing it from the mountaintop you know we’ve partnered with the
29:40
leading insurance providers for the sharing economy to provide specialized coverage for all our industry for this beauty industry and and
29:47
everybody that’s a licensed professional so starting in the next couple of weeks host and stylists will be able to access
29:52
this new type of protection and we’re so excited that she’s here uh i think that that is awesome i’ve
30:00
definitely had my fair share of bad experiences in the beauty industry and
30:05
them not being covered there’s no insurance so i’m left to deal with
30:10
my own vices uh not fair so i think that on my end as far as being a consumer
30:16
insurance is very important very important i do want to thank everybody for joining me
30:22
tyler jim no i want to say thank you to martin i want to say thank you to chris because
30:28
this has been so you know and you know you know time is is is of essence and i think
30:34
that is the more we know uh the better we can kind of go forward and do business in this way and i think that this industry
30:39
is a little bit behind in a lot of way that we do things so the fact that we can talk about this
30:44
and and even though it’s not a sexy topic is we can turn it and make it a little bit more easy to listen to and a little
30:51
bit more sexy to appease them so i think that this has been so educational i’ve learned a lot as well
30:56
from you guys pleasure well thank the both of you thank you dr
31:03
caldwell for joining us and until next time you guys see you
31:08
you guys thank you take care bye
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