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Insurance for Hair and Beauty Salons and Hairstylists
Hair / Beauty Salon
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Why do beauty salons and hairstylists need insurance?
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.
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Hair salons, independent hairstylists, and mobile hairdressers can save money by comparing quotes from top insurers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do hair salons and hairdressers need?
These policies provide property and liability coverage for the most common risks faced by beauty salons.
General liability insurance
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.
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
- Business interruption coverage
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 that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Employee injury lawsuits
Cyber insurance
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.
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.
How much does personal care, beauty, and hair salon insurance cost?
An independent hairstylist will pay less for insurance than a beauty salon with several employees. Factors that affect the cost of hair salon insurance include:
- Services offered, such as haircuts, massage, or tanning
- Value of business property
- Business income and size
- Location
- Types of business insurance purchased
- Policy limits and deductibles
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State insurance requirements
Insurance requirements for hair salons can vary depending on where your business operates. Most states require salons with employees to carry workers’ compensation insurance, while others may also mandate general liability or professional liability coverage to protect clients.
For example, California requires barbershops and salons with staff to have workers’ comp, and Florida requires proof of general liability insurance when applying for certain salon licenses.
See hair salon insurance requirements in your state
Choose your state to learn about insurance requirements for hair salons.
How do I get beauty salon insurance?
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:
- 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. insurers to find coverage that fits your beauty business, whether you work independently or hire employees.
Recommended insurance for hair salons and stylists
View video transcript.
[video: an animated header displays the Insureon logo. Underneath it, a subheading displays the text: "What insurance do I need for my hair salon?"]
MALE VOICEOVER: Running a hair salon means juggling a lot... from clients and schedules to staff and products. But there’s one thing you can’t afford to overlook, protecting your business from unexpected risks. Let’s look at the essential insurance policies every hair salon should have.
[video: an illustrated header displays the text: "Most hair salons need:"]
General liability insurance covers common third-party accidents and property damage, like a client slipping in the salon, or a spill that ruins someone’s phone or clothes. It can also protect you from product liability claims, such as an allergic reaction to hair dye.
[video: an illustrated header displays the text: "General liability covers:"]
[video: Under above header, three bullet points display the text: "Slip-and-fall accidents"; "Client property damage; "Product liability claims"]
A business owner's policy or BOP bundles general liability with property coverage, protecting your salon equipment, inventory, and furnishings if they’re stolen, damaged, or destroyed. It can even help replace lost income if you must temporarily close after a covered event. And since it combines two coverages, it usually costs less than buying each separately.
[video: an illustrated header displays the text: "A BOP covers:"]
[video: Under above header, three bullet points display the text: "Customer injuries"; "Business property damage"; "Business interruption coverage"]
Professional liability insurance, sometimes called errors and omissions, protects you from a lawsuit if a client claims you damaged their hair or provided bad service. This policy can help cover legal fees and settlements.
[video: an illustrated header displays the text: "Professional liability covers:"]
[video: Under above header, three bullet points display the text: "Accusations of negligence"; "Work errors"; "Missed deadlines"]
Workers’ compensation insurance is required in most states if you hire employees. It covers medical bills and lost wages if someone gets hurt or sick on the job. Even if you’re a solo stylist, you might choose it for extra protection.
[video: an illustrated header displays the text: "Workers' comp covers:"]
[video: Under above header, three bullet points display the text: "Work-related medical expenses"; "Disability benefits"; "Lawsuits from employee injuries"]
Cyber insurance can help protect your business if you store client info, accept digital payments, or book appointments online, where a data breach could expose sensitive data. Cyber coverage helps pay for recovery costs, legal fees, and customer notifications.
[video: an illustrated header displays the text: "Cyber insurance covers:"]
[video: Under above header, three bullet points display the text: "Data breach response costs"; "Investigations and recovery expenses"; "PR efforts to repair reputational harm"]
Every salon is different, and so are your insurance requirements. It’s best to speak with your insurance agent to understand which policies can meet both your business needs and your budget.
[video: an illustrated header displays the text: "Speak with your insurance agent to find the right hair salon coverage."]
We make it easy for hair salons to find the right, most affordable coverage.
Get free quotes for your business with Insureon today.
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[video: an animated header displays the Insureon logo]