Insurance for Beauty Salons
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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.
Essential coverage for your Beauty Salon
General Liability (GL)Instant quote »
- Coverage against claims from bodily injury, property damage and personal injury
- Coverage for products/completed operations
When you also have equipment or operate from an office
General Liability + Property (bundle them with a BOP)Instant quote »
All Basic plan benefits and:
- Bodily Injury
- Damage to third party property
- Business Personal Property
- Personal Injury
- Lost business income
- Equipment Breakdown coverage
Protect your business against service errors
Business Owners Policy (BOP) + Professional LiabilityInstant quote »
All Standard plan benefits and:
- Professional service errors like hurting someone while providing your service
- Retroactive claims (previous contracted work)
- Subcontractor errors
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.
Pays to replace or rebuild property including your shop and equipment. It is also wise to add loss of business income to a Commercial Property policy in the event you need to close during renovations.
This policy pays costs and legal expenses associated with third-party injuries, damage to a customer’s property, and slander, libel or copyright claims.
This coverage is critical if you have employees and mandatory in many states. It pays medical expenses when employees are injured on the job as well as lost wages.
Business Interruption insurance covers revenue losses if your business is unable to operate because a fire or a flood has caused damage to your property. This covers the cost of the estimated profit cost that happened during the period of interruption.
Also referred to as E&O Insurance, Professional Liability covers you for your professional service mistakes like recommendations or advice to customers.
Your existing insurance might not be able to protect your business in case it exceeds the coverage limits. Umbrella Insurance offers a broad type of coverage to protect your business. This type of beauty salon insurance extends over other policies to provide additional coverage and higher limits than a conventional insurance can offer.
Frequently Asked Questions
How much does it cost to insure a beauty salon?
The cost of insurance varies on several factors. Some insurance companies will review your experience and previous claims history - both of which could affect the cost of your coverage.
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 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/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.
Peace of Mind, At Your Fingertips
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