Whether you rent a chair or run a small barber shop, you face daily risks. A customer could slip on a wet floor, or a stylist could accidentally nick a customer's ear. Business insurance helps keep your doors open by covering legal expenses from injuries, professional mistakes, and accidents.
These insurance policies cover the most common risks barbers face.
A general liability policy covers basic third-party risks, such as an allergic reaction to a hair styling product. Bundle it with commercial property insurance for savings in a BOP.
A BOP bundles commercial property insurance and general liability coverage under one plan. It's one of the most cost-effective barber insurance policies.
A professional liability insurance policy covers legal fees related to a barber's performance, such as a customer who sues over a nick or cut. It's also called errors and omissions insurance (E&O).
Most states require workers' comp for barber shops that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for barbershops that handle credit card numbers and other personal information.
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your barbershop. Most states require this coverage for vehicles owned by a business.
It's easy to get insurance as a stylist or barber shop owner if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. providers to find the right barber insurance coverage, whether you’re a small business owner or an independent contractor.