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Essential coverages for your barber shop
When you also have equipment or operate from a salon
All Basic plan benefits and:
Protect your business against service errors
All Standard plan benefits and:
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.
Business Owners Policy (BOP) is a type of commercial insurance that is designed for small and medium-sized businesses. This barber insurance combines protection from all the major property and liability risks. The insurance includes property insurance for the building and the contents owned by the company and liability protection that covers your business' legal responsibility.
General Liability insurance protects your Barber Shop from the expenses related to non-employee injuries that happen at your property, property damage and advertising mistakes. It covers the most common lawsuits that happen within the scope of your business activities.
Workers' Compensation is a state-mandated insurance that provides medical and rehabilitation benefits to employees who become ill or injured in your Barber Shop. The employees are in turn relinquished from suing their employer for negligence.
Employment Practices Liability Insurance (EPLI) provides you with coverage against claims made by employees like discrimination, wrongful termination, harassment, and other employment-related issues.
Professional Liability is designed to protect your employees from the liabilities associated when someone is unhappy with the results of your service. The insurance will cover the costs of negligence claim made by the customer like for example when they think that the haircut made them lose their job. Without insurance, your barber shop will be subject to many financial risks.
Umbrella Insurance is a policy that provides additional coverage above the limit of your basic insurance policies. This type of Barber Shop insurance can protect your business from bodily claims and property damage, and also help cover legal fees and other related risks in the process.
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.
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.
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.
No. Independent contractors are not required to be covered under your shop's Workers' Compensation, but full employees usually are.
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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