Beauty & Hair Salon Insurance
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Insurance for Hair and Beauty Salons

Whether you're the salon owner or a hairdresser renting a booth, you'll probably need some type of beauty salon insurance. For beauty shop owner, the stakes are clear: you can be held responsible for injuries that happen in your shop, and you probably want to protect your equipment and products. For a hairdresser, you can be sued over injuries the products you use cause or bad hair cuts that cost your clients.

Let's look at some common hair stylist insurance policies and review which policies make sense for your role at the salon.

General Liability Insurance

General Liability Insurance can cover basic liability issues in a salon, such as…

  • Third-party injuries. You can get sued by someone who slips and falls at the salon.
  • Third-party property damage. Say you spill hair dye on your client's very expensive suit. They can demand that you pay for the cost to repair or replace their designer threads.
  • Product liability. A client may sue over the physical injuries your hair products caused.
  • Advertising injuries. If you fire off an angry tweet about a problematic client, they may claim it's libel and sue you over the damage to their reputation.

It may seem unlikely that any of these events may happen, but consider this: accidents are unpredictable. One day, you may wash a client's hair and not notice the small puddle of water near their chair. If they slip on that puddle and fall, you may be responsible for their medical expenses.

A beauty salon insurance policy like General Liability can help cover the cost of immediate medical bills or lawsuit expenses if you're sued. Plus, our salon customers usually only pay $425 a year for the General Liability protection, which is about $35 per month.

Business Owner's Policy

Many beauty shop owners buy a Business Owner's Policy (BOP) to save money on their insurance. This policy bundles General Liability Insurance with Commercial Property Insurance, and it usually costs less than buying each policy separately.

You know what General Liability does, and Commercial Property is another staple coverage. Between salon chairs, beauty supplies, furniture, and technology, your beauty shop relies on a lot of property to run. If this property were damaged in a fire, you'd lose the property that allows you to make a living.

Your BOP's property protection can help pay to repair or replace your building and/or its contents so you can get back to work quickly after a fire, theft, or windstorm.

Professional Liability Insurance

Let's say you color a client's hair a shade of light blond. She forgot to mention she had previous chemical treatments, and there is a bad interaction with the chemicals you are using. Her hair ends up a very unbecoming shade of orange. You offer to work to correct it but she is so angry she decides to sue.

Professional Liability Insurance (aka Errors & Omissions Insurance) can protect you when clients sue over alleged professional mistakes. It can even cover you if you didn't make a mistake, but a client claims you did.

This policy usually costs about $431 a year for beauty shops, which is about $36 a month.

Workers' Compensation Insurance

Workers' Compensation Insurance can pay for medical expenses if one of your employees becomes ill or injured because of their work. It can even pay to partially replace their lost income if they need to miss work because of their injury or illness.

If you own the salon and have hairdressers as employees (not booth renters), your state may require you to have Workers' Comp. The laws vary depending on where you live, so it's always a good idea to talk to your insurance agent about your obligations.

Salon Insurance for Owners

Which beauty salon insurance policies do you need for your beauty salon? Each salon is a little bit different, so it depends on the services you provide, the size of your property, and the number of employees at your hair salon. Fortunately, Insureon's agents can customize the following beauty salon insurance policies to fit your needs:

  • General Liability Insurance.
  • Commercial Property Insurance
  • Business Owner's Policy.
  • Professional Liability Insurance.

Depending on your state and if you have any employees, you may also need to purchase Workers' Compensation Insurance.

Salon Insurance for Booth Renters

As a booth renter, you are functioning as your own small business within a salon. As a result, you can be held liable for professional mistakes, bodily injuries, and property damage – just like any small-business owner.

Because you're not an employee of the salon you rent from, its insurance will not cover you. In some cases, a salon owner may require you to purchase hairdresser liability insurance in order to even rent a booth. Even if they don't, it's still a good way to protect yourself.

You may benefit from the following hairstylist insurance policies:

  • General Liability Insurance.
  • Professional Liability Insurance.
  • Commercial Property Insurance (or a BOP).

You usually won't need Workers' Compensation Insurance because you don't have employees. However, some cautious salon owners may request that you carry this coverage for yourself.