Barber Insurance

Whether you’re giving a trim or perfecting a fade, having barber insurance that you can thoughtfully customize to your business can give you the confidence you need to run your shop.

Do Barbers Have to Have Insurance?

States may require barbers to carry certain types of insurance coverage. Even if it’s not required, having business insurance is crucial to help protect your barbershop from claims that can arise during normal operations. Depending on your coverage, business insurance can help pay for:

Medical costs
Lost wages
Legal fees
Property damage

Why Do You Need Barbershop Insurance Coverage?

Barbershop insurance coverage helps protect your business from risks that you face at work every day, such as:

Working with sharp scissors and tools
Managing stylists, barbers, and staff
Employee dishonesty
Having customers in your business
Stocking heavy products

What Insurance Do You Need in a Barbershop?

Workers’ compensation insurance
General liability insurance
Barbershop professional liability insurance
Property insurance
Equipment breakdown coverage

What Barbershop Insurance Coverages Should I Have?

Most barbershops have a Business Owner’s Policy (BOP), which combines three types of coverage into one:

General liability insurance: Helps protect your shop from claims that it caused bodily injury or property damage to someone else.
Commercial property insurance: Helps protect the owned or rented building, tools, equipment, and inventory you use to operate your business, including:
- Clippers
- Blow dryers
- Towel-warming machines
- Grooming chairs
Business income insurance: Replaces some of your lost income if you can’t operate your barbershop because of covered property loss.

If you run your barbershop out of your home, it’s also a good idea to look into a home-based business insurance policy. It provides more coverage than your homeowners insurance.

Taking Care of Your Barbershop Team

From standing for long hours to slips and falls, your staff faces different injury risks that can be expensive and take time to recover from. The right barber insurance can help keep your staff protected. Coverage options can include:

Employee Injuries
Client Lawsuits

Covering Your Barbershop Operations

There’s a lot to manage when it comes to running a small business. We know your barbershop faces many risks, like your clients getting hurt while on your property. That’s why we offer coverages that can help meet your shop’s specific needs, such as:

Customer Injuries
Slips and Falls

Covering Your Barbershop Property

From the right tools to style hair to the right software to book appointments, your staff relies on expensive equipment. That’s why having a good barbershop insurance policy is important. Ours can help make sure you have the proper protection for your business’s property. Coverage options can include: