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Find insurance for hair salons in Georgia
Learn about business insurance requirements and the most common policies for hair stylists and salon owners in Georgia.
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What are the most common policies for Georgia hair salons?
Hair stylists may need different types of insurance depending on the services they offer. These are the most popular insurance policies for Georgia hair styling businesses and beauticians, which protect against financial losses from accidents and lawsuits.
General liability insurance
General liability coverage handles basic hair salon risks, such as spilling dye on a customer’s expensive clothing. Bundle with commercial property insurance for savings in a BOP.
BEST FOR
- Customer bodily injury
- Customer property damage
- Product liability insurance
Business owner’s policy
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.
BEST FOR
- Slip-and-fall accidents
- Business property damage
- Advertising injuries
Professional liability insurance
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).
BEST FOR
- Lawsuits from dissatisfied customers
- Harm caused by a treatment
- Mistakes, such as using the wrong dye
Workers’ compensation insurance
Most states require workers' comp for salons that have employees. It also protects sole proprietors from work injury costs and legal fees that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Employee injury lawsuits
Cyber insurance
Cyber liability insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for salons that handle credit card numbers and other personal info.
BEST FOR
- 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 a hair salon. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
Which policies are required for hair salons and stylists in Georgia?
Whether you're in Atlanta, Savannah, Augusta, or elsewhere in the state, hair salons in Georgia often must carry the following types of beauty salon insurance coverage to comply with laws:
Workers' compensation insurance
Georgia state law requires hair and beauty salons with three or more employees to provide workers’ compensation insurance, which covers medical bills for work-related injuries and occupational diseases. This policy is also recommended for sole proprietors, as health insurance can deny claims for injuries related to your job.
Workers' comp provides disability benefits to offset lost wages for Georgia workers who are disabled or recovering from a job-related injury, such as if you slip and break an arm in your salon. Policies usually include employer's liability insurance, which covers legal defense costs if an employee sues their employer over an injury.
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Commercial auto insurance
State law requires commercial auto insurance for any vehicle owned by a business, including hair stylists and salons. This policy covers property damage and medical bills resulting from an accident. It can help pay for vehicle theft, weather damage, and vandalism, depending on the coverage options you choose.
All Georgia vehicles must have the following car insurance, at a minimum:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
If you or your beauty professionals drive their personal vehicles for salon work, you'll need a different policy. Because personal auto insurance won't cover work-related driving, you'll need hired and non-owned auto insurance (HNOA) in this situation, or if you rent or lease a vehicle used for business. You can often add this coverage to your general liability policy as an endorsement.
Do I need a hair salon or stylist license in Georgia?
In Georgia, anyone who provides cosmetology or barbering services—such as hair cutting, coloring, styling, or chemical treatments—must hold a valid license issued by the Georgia State Board of Cosmetology and Barbers.
Depending on the services you provide, you could be required to have a cosmetologist, master barber, hair designer, esthetician, nail technician, or instructor license. Each requires completing a state-approved training program and passing both a written and practical exam. Working without a license can result in disciplinary action or fines.
If you plan to open a salon or barbershop, you must also apply for a Salon or Shop License through the Board. This license is required even if you don’t personally provide services. Owners who aren't licensed may manage the business, but they cannot perform or assist with client services. Salon or Shop Licenses are tied to a specific location, so a new application is needed if you move or change ownership.
Home-based salons must also obtain a salon license and comply with state health, safety, and sanitation requirements, as well as local zoning or building codes.
Certain beauty services may be exempt—for example, freelance makeup artists who don't work within a licensed salon may not require a state license—but it’s important to verify whether your services fall under the Board’s licensing rules.
Beyond licensing, salon owners should also register their business entity with the state, secure any required local permits, follow employment regulations, and maintain health and sanitation standards set by the Georgia State Board of Cosmetology and Barbers.
What do hair salons in Georgia pay for insurance?
Hair salons in Georgia that buy policies from Insureon pay an average of:
General liability: $29 per month
Business owner's policy: $68 per month
Workers' compensation: $97 per month
Factors that affect hair salon insurance costs include:
- Services offered, such as haircuts, facials, hair color, and waxing
- Value of business property
- Business income and size
- Location
- Types of business insurance purchased
- Policy limits, deductibles, and exclusions
- Other coverages, such as additional insureds
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How do I get Georgia hair salon and stylist insurance?
Insureon’s industry-leading technology helps hair salons in Georgia save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Georgia and can answer your questions as you consider coverage.
To make the application go quicker, have this information ready:
- Workforce details, such as the number and types of employees
- Current and projected revenue
- Business partnerships
- Insurance history and prior liability claims
- Commercial lease insurance requirements
Apply for free insurance quotes today to find a cheap salon and beauty insurance plan that fits your business needs. Most small business owners receive a certificate of insurance for proof of insurance the same day.