Do I need hair salon insurance?

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MALE VOICEOVER: Running a hair salon means juggling a lot... from clients and schedules to staff and products. But there’s one thing you can’t afford to overlook, protecting your business from unexpected risks. Let’s look at the essential insurance policies every hair salon should have.

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General liability insurance covers common third-party accidents and property damage, like a client slipping in the salon, or a spill that ruins someone’s phone or clothes. It can also protect you from product liability claims, such as an allergic reaction to hair dye.

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[video: Under above header, three bullet points display the text: "Slip-and-fall accidents"; "Client property damage; "Product liability claims"]

A business owner's policy or BOP bundles general liability with property coverage, protecting your salon equipment, inventory, and furnishings if they’re stolen, damaged, or destroyed. It can even help replace lost income if you must temporarily close after a covered event. And since it combines two coverages, it usually costs less than buying each separately.

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Professional liability insurance, sometimes called errors and omissions, protects you from a lawsuit if a client claims you damaged their hair or provided bad service. This policy can help cover legal fees and settlements.

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[video: Under above header, three bullet points display the text: "Accusations of negligence"; "Work errors"; "Missed deadlines"]

Workers’ compensation insurance is required in most states if you hire employees. It covers medical bills and lost wages if someone gets hurt or sick on the job. Even if you’re a solo stylist, you might choose it for extra protection.

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[video: Under above header, three bullet points display the text: "Work-related medical expenses"; "Disability benefits"; "Lawsuits from employee injuries"]

Cyber insurance can help protect your business if you store client info, accept digital payments, or book appointments online, where a data breach could expose sensitive data. Cyber coverage helps pay for recovery costs, legal fees, and customer notifications.

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Every salon is different, and so are your insurance requirements. It’s best to speak with your insurance agent to understand which policies can meet both your business needs and your budget.

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We make it easy for hair salons to find the right, most affordable coverage.

Get free quotes for your business with Insureon today.

Click the link to get started!

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