Insurance for Barber Shops

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Better, Regardless of Your Size

Coverage Plans for All Your Needs

BASIC

Essential coverages for your barber shop


General Liability (GL)

From
29
Month
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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

When you also have equipment or operate from a salon


General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown

PRO

Protect your business against service errors


Business Owners Policy (BOP) + Professional Liability*

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All Standard plan benefits and:

  • Professional service errors like hurting someone while providing your service
  • Retroactive claims (previous contracted work)
  • Subcontractor errors

CUSTOM

When you have specific requirements


Including Commercial Auto, Workers Compensation, etc.

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ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

You have a wonderful barber shop in charge of the quality care of your customer’s haircuts, shaving or other impressive appearances. However, there is always the risk of employee injury, an unsatisfied customer, destroyed shop or more; and our insurance can keep you covered for all these issues. We can keep you in business and keep your brand and professional identity positive.

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Frequently Asked Questions

Why do Barber Shops need insurance?

Barbers shops can be sued for injuries from a basic slip and fall or from injuries caused by the service. There's also the risk of fire and other property loss.

Why does a Barber Shop need professional liability?

Professional Liability which includes contingent bodily injury and property damage will protect you and your business if a client is injured while getting a haircut or sitting for a related service.

How much is insurance for a Barber Shop?

Most barbershop and salon policies can cost around $400 to $800 a year for General Liability and about the same cost will apply to add Professional Liability.

Is a Barber Shop required to carry Workers Compensation Insurance for independent contractors?

No. Independent contractors are not required to be covered under your shop's Workers' Compensation, but full employees usually are.

What is the difference between General Liability and Professional Liability in the case of my Salon?

There are two basic types of liability insurance: General Liability Insurance and Professional Liability Insurance. General Liability protects your company against bodily injury or property damage lawsuits. These include third party property damage claims, personal injury lawsuits, false advertising, and more. For example one of your regular clients trips and falls on the floor after getting their hair washed. For all related costs the General Liability policy covers your business. It is important to note that General Liability insurance will exclude bodily injury or property damage claims related to professional services, which can be covered with professional liability.

On the other hand, Professional Liability only covers your professional services. An example would be if in your salon, one of your clients expected you to make his look perfect for a modeling interview. If he doesn’t get the job, he could potentially blame it on your professional services and sue for his loss of income. So, having Professional Liability insurance can help pay for all related costs and potentially pay you for your losses while you are defending yourself during the lawsuit. When applicable, it may also pay for legal awards and settlements. The newest addition to Professional Liability insurance is contingent bodily injury and property damage coverage. This will cover claims against you when the bodily injury or property damage is directly caused by your professional service.

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