Cosmetology Business Insurance

From working with chemicals to repetitive stress injuries, we know the risks you face daily at your cosmetology business. That’s why we offer cosmetology insurance that you can count on.

What Kind of Liability Insurance Do Cosmetologists Need?

Cosmetology insurance is a type of small business insurance that can help cover claims of:

Bodily injury
Personal injury
Property damage
Emotional distress

So, if you accidentally color a client’s hair the wrong color and they file a claim against you, cosmetology business insurance can help.

Every cosmetologist business has unique needs. Some coverages you may need include:

Commercial Property Insurance: Helps cover owned or rented business property like your building, equipment, or inventory.
Professional Liability Insurance: Helps cover claims of negligence, misrepresentation, and inaccurate advice.
General Liability Insurance: Helps cover costs of bodily injury or property damage caused by your business.
Business Owners’ Policy (BOP): Combines business property and business liability insurance into one convenient policy.
Business Income Insurance: Helps replace lost income if your business has to shut down temporarily due to a covered loss.

Who Needs Professional Insurance for Cosmetologists?

There are a variety of cosmetic and beauty professionals that may need business insurance, including:

Hairstylists
Barbers
Beauticians

This beauty insurance coverage can help pay for bodily injury and property damage claims.

Protecting Your Property

You never think it’s going to happen to you, until it does. Having the right coverage can help protect your cosmetology business. Coverage options can include:

Theft
Injured Employees

Taking Care of Your Team

Accidents happen every day. Keep your employees and your business covered with cosmetology liability insurance that will protect you both. Coverage options can include:

Allergic Reactions
Cyber Security

Covering Your Operations

There are some things you can’t prevent, but you can always be prepared. Insurance that offers you the coverages you need is crucial. Coverage options can include: