Insurance for Beauty Salons

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Better, Regardless of Your Size

Coverage Plans for All Your Needs

Though making clients beautiful seems quiet, there is potential for loss at any moment. We are here to help ensure against a lawsuit and keep your business safe. Choose your coverage below and get your free quote.

BASIC

Essential coverage for your Beauty Salon


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 an office


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 coverage

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 Business Interruption, Umbrella Liability etc.

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We've Got You Covered with Coverage You Need

Businesses who work in this industry do activities such as hair cutting, trimming and coloring. The first step to proper insurance protection is understanding what insurance you need. Every business, including beauty salons, needs general liability insurance and commercial property insurance. If employees run errands, you will also need commercial auto insurance; and if you have employees, workers comp is a must.

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Frequently Asked Questions

How much does it cost to insure a Beauty Salon?

The cost of insurance varies on several factors. For liability insurance, it depends on the services you provide. A standard hair salon can pay as little as $350 a year for General Liability and $400 a year for Professional Liability. A salon performing microblading can expect to pay about $2,000 a year for both coverages.

How much does it cost to insure a Hair Salon?

The cost varies, but it mainly depends on the size of your hair salon, the improvements you make, the value of your store's contents, the number of employees you have, etc. A typical cost would be around $500 to $700 a year.

What is the need for insurance in a Beauty Salon?

Things can go wrong no matter how careful you are with your business. When an angry client sues your beauty salon for her eyebrows being waxed too thin, your insurance will cover all the costs of the lawsuit.

Do I need insurance for a booth as a Beauty Salon or Hairstylist?

Booths are more at risk of financial loss due to theft, fire or lawsuit, as they are more prone to these incidents. Whether you're just getting started or beginning to expand in new locations, you need the right insurance to keep your investments secure.

Why do Beauty Salons need insurance?

Businesses who work in this industry, do activities such as hair cutting and trimming, hair coloring, facials, and make-up application. Examples of these establishments are beauty parlors, facial salons, combined beauty and barbershops, hairdressing salons, cosmetology salons or shops, and unisex or women's hair styling stores. If you own a beauty salon, barbershop, or provide cosmetology services, you know how important it is to invest in yourself. The hair, makeup, aesthetic services you provide customers make them feel more confident in who they are. Why wouldn’t you do the same for your business? Buying insurance for a beauty salon is the best investment you can make in your business.

What risks could Beauty Salons face?

Without insurance, one unhappy customer can make a claim, file a lawsuit, drain your bank account, and ruin your reputation. Take a look at some common scenarios you need protection against:

  • Slips: You work with a variety of beauty products with removable caps like shampoo. If one of those bottles spills and a customer walks in and falls, you are responsible for the injuries. Along with their medical expenses, you can also be held liable for lost wages if the injury is too severe for them to return to work.
  • Service Mistakes: Some products you use are considered chemicals like hair dye. If dye spills or drops onto a customer’s designer dress or shoes you will need to replace it. If the dye turns a CEO’s hair bright orange and damages their reputation, they can file a lawsuit for damages.
  • Advice Goes Wrong: One of your services may include providing advice for hair and cosmetics products. If you recommend a new facial cream that burns the customer’s skin and causes long-term damage, they can file a lawsuit for physical and emotional damages.
  • Employee Injury: Stylists and barbers work with cutting tools like scissors and razors. It is easy to cut or scrape their hands if a customer moves unexpectedly while in the chair.

Other possible claims include loss of property due to theft or fire, libel claims if an employee posts something unkind about customers online, or even copyright infringement if you make a spinoff of a competitor’s advertising technique.

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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