Working with sharp tools is a risk for both your employees and your customers. The right coverage for hairstylists and hair salons can help pay for medical treatment, personal injury lawsuits, and property damage.
These policies provide property and liability coverage for the most common risks faced by beauty salons.
A general liability policy covers basic hair salon risks, such as spilling dye on a customer’s expensive clothing. Bundle with commercial property insurance for savings in a BOP.
A BOP bundles general liability insurance and commercial property insurance at a discount. This is often one of the most cost-effective salon insurance policies.
This policy covers lawsuits related to work performance, such as dissatisfaction over a client's hair dye or styling. This policy is also called errors and omissions insurance (E&O).
Most states require workers' comp for salons that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for hair salons that handle credit card numbers and other personal information.
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a hair salon. Most states require this coverage for vehicles owned by a business.
It’s easy to get insurance coverage as a hairstylist or salon owner if you have your business information on hand. Our insurance application will ask for basic facts about your business, 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. insurers to find coverage that fits your beauty business, whether you work independently or hire employees.