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General liability insurance for personal care businesses

General liability insurance icon
General liability insurance

General liability insurance covers common small business risks like customer injury, customer property damage, and advertising injury. It protects your business during lawsuits and helps you qualify for leases and contracts.

General liability covers common risks

Massage therapists, estheticians, nail technicians, and other personal care professionals often see numerous clients in a single day. Because of the risk inherent in every client visit, general liability insurance is often the first policy they buy. It helps cover expenses related to customer injuries and property damage. It’s also sometimes required in the terms of a commercial lease.

General liability insurance provides coverage related to:

  • Customer injuries
  • Customer property damage
  • Advertising injuries, such as slander and libel

Bundle policies to save money and increase security

If you run a small business, you may be able to bundle general liability insurance with commercial property insurance in a business owner’s policy. A BOP for personal care businesses costs less than purchasing each policy separately. Businesses that are eligible for BOPs typically:

  • Have fewer than 100 employees
  • Have a small office or workplace
  • Make less than $1 million in annual revenue
  • Operate in a low-risk industry
  • Need less than 12 months of business interruption insurance

Personal care businesses may also be eligible to add professional liability insurance to their BOP or general liability policy at a discounted rate. Talk to a licensed Insureon agent to maximize your savings and coverage.

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What coverage can general liability provide for personal care companies?

Third-party bodily injury

If a customer slips on a wet floor and breaks an arm at your day spa, you could be held liable for the injury. A lawsuit could result in significant financial burden for your small business. General liability insurance helps cover:

  • Medical bills
  • Attorney's fees
  • Settlements
  • Court-ordered judgments

This policy does not cover employee injuries. For that, you’ll need workers’ compensation insurance.

Third-party property damage

Accidents involving customer property can happen at any small business. A smartphone could be damaged in the steam room of your day spa, or a pair of glasses could slip off the counter while a client gets a haircut at your salon.

General liability insurance protects you when customer property is damaged. It can help cover the cost of repair or replacement of the damaged item. If a customer files a lawsuit, it can also help pay legal expenses, such as the cost of hiring an attorney.

Advertising injuries

Whether you’re a hairstylist or a permanent makeup artist, if you advertise, your business could be vulnerable to advertising injury lawsuits. General liability insurance covers accidental advertising injuries, including:

  • Copyright or brand infringement
  • Defamation, both libel (written) and slander (spoken)

 If you launch an advertising campaign through a magazine ad, social media page, or another medium, it’s important to protect yourself with this policy.

Other important policies for personal care professionals to consider

General liability insurance protects against many basic risks, but it doesn’t cover employee injuries, professional mistakes, or your own business property. Personal care businesses can also benefit from:

Business owner’s policy: This policy combines general liability insurance with commercial property insurance, usually at a lower rate than if the policies were purchased separately. It can help you recover from a fire, flood, or burglary.

Professional liability insurance: Also known as errors and omissions insurance, this policy can cover legal costs related to business mistakes or decisions that result in a lawsuit, such a skin treatment that fails to produce promised results.

Workers’ compensation insurance: Required in almost every state for personal care businesses that have employees, workers’ comp can cover medical fees and lost wages for work-related injuries and illnesses, such as a spa employee slipping in the sauna.

Get free quotes and compare policies with Insureon

Are you ready to safeguard your nail salon, medical spa, or other personal care enterprise with general liability insurance? Complete Insureon’s easy online application to compare quotes from top U.S. carriers. Once you find a policy that fits your needs, you can begin coverage in less than 24 hours.

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