Why do barber shops need insurance?
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.
Find affordable coverage
Barber shop owners can save money by comparing business insurance quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of business insurance do barber shops need?
These insurance policies cover the most common risks barbers face.
General liability insurance
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.
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's one of the most cost-effective barber insurance policies.
- Customer bodily injuries
- Customer personal injuries
- Business property damage
Professional liability insurance
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).
- Accidental cuts
- Accusations of negligence
- Professional mistakes
Workers’ compensation insurance
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.
- Employee medical costs
- Disability benefits
- Employee injury lawsuits
Cyber insurance
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.
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
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.
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
How much does personal care, beauty salon, and barber insurance cost?
A hair salon with a few stylists will pay less for insurance than a large barber shop.
Factors that affect barbershop business insurance costs include:
- Services offered
- Business property and equipment
- Business income
- Location
- Types of insurance purchased
- Policy limits and deductibles
How do I get barber shop insurance?
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
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.
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