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Beauty and Hair Salon Insurance
Custom beauty salon insurance that's a cut above
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Hair and beauty salon insurance tailored to your business needs
Whether you're an individual hair stylist or a busy salon owner, hair salon insurance protects your business, customers, and equipment in case of unexpected events. The right coverage gives you peace of mind so you can focus on helping your clients look and feel their best.
What is salon insurance?
Hair and beauty salon insurance is a set of business policies customized for the needs of stylists and studio owners. It typically includes liability coverage for things like customer accidents, professional liability for service-related issues, and property coverage for your tools and gear.
If you're unsure what coverage is right for you, our team of experts can help. Explore our site to learn more and start a quote online or give us a call to discuss your beauty business's needs.
Why salon business insurance is important
Salon insurance provides essential protection against incidents like injuries, equipment breakdowns, and theft. Choosing the right coverages minimizes the financial impact of mistakes and keeps your reputation rooted in trust and outstanding service.
Do salon owners need a certificate of insurance (COI)?
You might also need beauty salon business insurance to meet the terms of a lease or partnership. Landlords and other business partners often expect you to have coverage. A certificate of insurance (COI) shows that you have the protection they're looking for.
Who needs salon insurance?
Beauty business insurance is a good choice for a variety of professionals, including:
- Hair stylists
- Hair salons
- Beauty parlors
- Cosmetologists
- Beauty consultants
- Waxing businesses
- Spas with beauty services
Beauty businesses of all kinds and sizes can benefit from insurance. Whether you're a sole proprietor doing everything yourself, have an LLC, or run a startup, the right coverage helps keep your business running smoothly so you can focus on your customers.
Types of insurance for hair stylists and salons
You don't want a surprise to undercut your success. The right policy can give protection that holds up. Explore common beauty salon insurance options to make sure your coverage is as sharp as your shears.
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General liability (GL)
Covers third-party injury and property damage
General liability insurance helps protect against workplace mishaps that injure someone else or damage their property. It can also cover claims related to personal and advertising injury, such as libel or slander. Learn more about the cost of GL insurance and its many benefits.
Example: A customer slips on a wet floor in your salon and is injured. General liability could help pay for their medical expenses, rehab, and legal claims.
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Business owners policy (BOP)
Liability and property coverage in one flexible policy
A business owners policy combines the protections of a general liability policy with commercial property insurance. Whether you rent or own, it covers equipment like salon chairs, supplies, and inventory, along with the space where you work. You can also customize your BOP with additional coverages to fit your needs.
Example: Your shop is vandalized overnight and expensive equipment is stolen. With BOP protection, you can get coverage for the repair and replacement of the lost items.
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Commercial auto
Protects your business vehicles and drivers
If you have a business vehicle, you'll probably need commercial auto insurance. Each state has different requirements so be sure to review what the minimum level of coverage is where you live. You may want additional commercial auto coverages to protect against uninsured motorists, theft, and more.
Example: While driving to a beauty seminar, you accidentally hit another car with your company van. Commercial auto can pay for the other driver's injuries and property damage.
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Workers' compensation
Covers sick or injured employees
Most businesses with employees need workers' compensation insurance. It can pay medical costs, lost wages, and other related expenses if a stylist is injured or gets a work-related illness. The cost of workers' comp is based on things like the number of employees you have, the risks they face on the job, and where your salon is located. Explore workers' comp requirements in your state.
Example: Your colorist gets a chemical burn while applying hair dye. Workers' comp could cover their medical bills and time away from work.
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Professional liability
Covers mistakes, oversights, and miscommunications
Professional liability, also called errors and omissions (E&O) insurance, protects your business from claims related to negligence or mistakes in your services. It also covers legal fees and settlements. Find out how much professional liability insurance costs.
Example: A client blames one of your stylists for ruining their hair before an important interview and sues you. This coverage could pay your legal fees and court costs, even if the claim is subjective.
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Cyber
Covers the cost of data breaches and cyber attacks
If you accept credit card payments or process other sensitive information, you may want cyber insurance. It pays for services like data recovery in case of a breach or other digital disruption.
Example: A cyber incident shuts down your scheduling and point-of-sale system, forcing you to stop operations for a few days. Cyber insurance can replace lost income during downtime.
Hair salon insurance vs. barber insurance
Barber shops and hair salons have a lot in common, but their coverage needs can differ. For example, a barber shop may use tools like straight razors that a salon typically doesn't. Likewise, salons may have equipment, like commercial hair dryers, that are less common in barber shops.
Learn more about barber insurance to decide which coverages are right for you.
How much does hair and beauty salon insurance cost?
Your hair salon insurance rate is based on the risks you face. For example, a single salon with three hairdressers will have a different premium than a local salon chain that employs 20 people. Insurers determine your rate based on a variety of factors, including:
- Location
- Number of employees
- Revenue
- Equipment you use
- Coverages and insurance limits
- Claims history
If you have business vehicles, the cost of commercial auto insurance will also affect your beauty salon insurance premium.
Price is always an important factor when choosing insurance, but the cheapest hair and beauty salon insurance might not cover everything you need. Make sure you're selecting the right coverages and limits to fully protect your business. Learn more about what you'll pay for business insurance.
Hair stylist insurance through Progressive Commercial
With over 50 years of experience supporting small businesses, Progressive Commercial knows how to help you prepare for the unexpected. Our supportive staff and wide range of options make it easy to secure the coverage you need.
Getting a beauty salon insurance quote couldn't be easier. Call us or start an online quote, and we'll help set up an insurance policy that's right for your business.
