Hair and Beauty Salon Insurance

Salon Insurance Especially Made for Your Business

Whether you’re cutting hair from your home or supervising a team of stylists, having the right salon insurance coverage is crucial.

Who Does Beauty Salon Insurance Cover?

  • Hair Salons
  • Hairstylists
  • Tanning Salons
  • Cosmetologists
  • Estheticians
  • Nail Salons

Why Salon Owners Need Salon Business Insurance

You’re dedicated to your customers, and so are we. That’s why we work to get to know every small business we serve. This helps us match coverages to the specific risks you may face at your beauty salon, so you can save money while knowing you’re protected from potential disasters.

What Salon Insurance Should Hairstylists Have?

Core salon Insurance coverage options can include:

  • General Liability Insurance: Helps protect your salon from claims that it caused bodily injury or property damage to others.
  • Business Income Off Premises Coverage: Helps replace lost income if you can’t operate due to a covered property loss.
  • Barber Shop and Beauty Salon Professional Liability Insurance: Protects against lawsuits claiming errors or mistakes in professional services.
  • Equipment Breakdown Insurance: Covers repair or replacement costs for damaged equipment.
  • Commercial Auto Insurance: Protects business-owned vehicles.
  • Workers’ Compensation Insurance: Provides benefits to employees for work-related injuries or illnesses.

Business Insurance Coverages for Salons

Every beauty salon and hair salon is different, so coverage needs will vary. For example, you’ll want certain types of coverage if you own a salon, and you’ll need additional insurance if you have employees.

We’ve created a plan that’s perfect for small business owners. Our Business Owner’s Policy (BOP) combines three essential types of coverage:

  • General Liability Insurance: Helps protect your salon from claims that it caused bodily injury or property damage to others.
  • Commercial Property Insurance: Helps protect your owned or rented building, tools, equipment, and inventory used to operate.
  • Business Income Insurance: Helps replace lost income if you can’t operate because of covered property loss.

Small Business Salon Insurance

As a hairstylist, insurance coverage may not seem that important, but it’s crucial to have – not just for your customers, but for yourself. The right salon insurance can help cover the costs of unexpected issues that could shut down the business you’ve worked hard to build.

Taking Care of Your Salon Team

Whether you’re cutting, coloring, or even just scheduling your calendar, working in a hair salon means being exposed to chemicals daily. Protect yourself and your employees from potential risks with salon insurance.

Hairdressers and hairstylists commonly face a risk of various musculoskeletal injuries. Coverage can include:

  • Employee Injuries
  • Client Lawsuit

Covering Your Salon Operations

As a small business owner, you have a lot of responsibilities. Clients come in and out of your business every day and you have to handle issues regularly. We know the difficulties you face at your hair salon – and we’ve created coverages to help you get through them.

Falls are the leading cause of unintentional emergency room visits. Coverage can include:

  • Customer Injury

Protecting Your Salon Property

Running a salon business can be costly. We know you rely on expensive tools and equipment that can accidentally break or be stolen. Having hair salon business insurance can give you peace of mind in knowing your property is protected. Coverage can include:

  • Stolen Customer Information
  • Property Damage

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