Business Insurance for Hair Salons and Hairstylists
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Insurance for North Carolina hair salons

Learn about business insurance requirements and the most common policies for beauty salons and cosmetologists in North Carolina.

Which policies are required for hair salons and stylists in North Carolina?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by hair salons in North Carolina, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in North Carolina requires every small business with three or more employees to provide workers’ compensation insurance, which covers medical bills for work injuries. North Carolina also requires commercial auto insurance for all vehicles used for business purposes.

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What are the most common policies for hair salons in North Carolina?

The most common policies for beauty salons and hairstylists in North Carolina vary depending on revenue, client contracts, partnerships, and other factors.

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General liability insurance

General liability insurance is the foundation of a hair salon’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

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Business owner's policy (BOP)

Beauty salons in Charlotte and elsewhere in the state often qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.

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Professional liability insurance

Professional liability insurance protects beauticians and hairstylists from lawsuits brought by dissatisfied customers. This policy, also called errors and omissions insurance, can help cover legal expenses if a customer sues over an unsatisfactory haircut or a negative reaction to a beauty product.

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Workers' compensation insurance

If you own a hair salon in North Carolina that has three or more employees, you are required to carry workers' compensation coverage. If you have fewer than three employees, coverage is optional. However, workers’ compensation will cover medical bills and lost wages if one of your employees has a work injury.

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Cyber insurance

Cyber insurance covers the cost of data breaches and cyberattacks. Salons that store credit card numbers, email addresses, and other customer information should carry this coverage. It's also called cyber liability insurance or cybersecurity insurance.

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Commercial auto insurance

Commercial auto insurance covers the costs of accidents involving a vehicle owned by your salon. It can help pay for legal defense costs, property damage, and injuries from an accident, along with vehicle theft and vandalism.

What do hair salons in North Carolina pay for business insurance?

According to an analysis of Insureon applications, the typical beauty salon in North Carolina can expect to pay less than the national median for business insurance.

For example, the median annual cost of workers’ compensation insurance for a hair salon in the state is $1,188, significantly less than the national median of $1,641.

Similarly, the median annual premium for professional liability insurance is $400, less than the national median of $480.

Median insurance costs for hair and beauty salons in North Carolina.

Save time and money with Insureon

Insureon’s industry-leading technology helps hair salons in North Carolina 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 North Carolina 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 claims
  • Commercial lease insurance requirements

Apply for free insurance quotes for beauty salons today.

Updated: July 19, 2023
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