Barber Insurance

Do Barbers Have To Have Insurance?

States may require barbers to carry certain types of insurance coverage. Even if it’s not required, having seguro de negocio is important to help protect your barbershop from claims that can come up during normal operations. Depending on your coverage, business insurance can help pay for:

Medical costs
Lost wages
Legal fees
Daños a la propiedad

Why Do You Need Barbershop Insurance Coverage?

Barbershop insurance coverage helps protect your business from risks that you face at work every day, such as:

Working with sharp scissors and tools
Managing stylists, barbers and staff
Employee dishonesty
Having customers in your business
Stocking heavy products

What Insurance Do You Need in a Barbershop?

Workers’ compensation insurance
General liability insurance
Barbershop professional liability insurance
Property insurance
Equipment breakdown coverage

You Won’t Have to Wait With Us

We know how important your time is. That’s why we offer the option to get your proof of insurance instantly online.

What Barbershop Insurance Coverages Should I Have?

Most barbershops have a Business Owner’s Policy (BOP), which combines three types of coverage into one:

General liability insurance, which helps protect your shop from claims that it caused bodily injury or property damage to someone else.

Commercial property insurance to help protect the owned or rented building, tools, equipment and inventory you use to operate your business, including:

Clippers
Blow dryers
Towel-warming machines
Grooming chairs

Business income insurance to replace some of your lost income if you can’t operate your barbershop because of covered property loss.

If you run your barbershop out of your home, it’s also a good idea to look into a home-based business insurance policy. It provides more coverage than your homeowners insurance.

How Much Is Barbershop Insurance?

Barbershop insurance costs vary. On average, our customers paid $1,019 a year for a BOP, or about $85 a month.¹ Insurers use different factors to determine costs, which can include:

Lugar
Claims history
Type of business
Policy details, like deductible amount and coverage limits

The best way to find out how much your barbershop insurance will cost is to obtener una cotización.

Small Business Barbershop Insurance

You may think you don’t need insurance coverage for your barbershop, but it helps in running a successful business. This video will help you understand the importance of small business insurance.

Taking Care of Your Barbershop Team

From standing for long hours to slips and falls, your staff faces different injury risks that can be expensive and take time to recover from. The right barber insurance can help keep your staff protected.

Barbers report frequent musculoskeletal disorders and injuries can occur within the first year of work.²

Employee Injuries

“One of my barbers started getting pain in his right wrist. It got so bad that he couldn’t stand holding the clippers for more than 10 minutes. Sure enough, he was diagnosed with carpal tunnel.”

Workers’ compensation insurance can help protect your employees. Plus, our preferred medical provider network makes it easy to find care, because we have over 1 million health care professionals throughout the country.

Client Lawsuits

“I was working on a client with sensitive skin. After cutting his hair, I used some demo shampoo to wash his head. His scalp broke out and he ended up suing me for his medical care.”

Responsabilidad profesional helps protect you and your staff for mistakes made in the services you provide. It can help cover your legal costs or settlements and judgments made in the lawsuit.

Covering Your Barbershop Operations

There’s a lot to manage when it comes to running a small business. We know your barbershop faces many risks, like your clients getting hurt while on your property. That’s why we offer coverages that can help meet your shop’s specific needs.

A person is accidentally injured every second in the United States.³

Customer Injuries

“After washing my client’s hair, I had him stand up to walk back over to my chair. He slipped and fell flat on his back. He said he was okay, but ended up suing our shop.”

General liability insurance can help protect you and your staff if someone sues your business for causing bodily injury or property damage.

Slips and Falls

“I mopped the floor at the end of my shift like usual. On our way out, one of my employees slipped and fell on the wet tile. They ended up going to our nearby urgent care center with an aching back.”

Workers’ compensation can help your employees recover from a work-related injury or illness. With over 65,000 pharmacy locations in our network, your employees can easily access their prescriptions.

Covering Your Barbershop Property

From the right tools to style your hair to the right software to book appointments, your staff relies on expensive equipment. That’s why having a good barbershop insurance policy is important. Ours can help make sure you have the proper protection for your business’ property.

Every 23 seconds, a fire department in the United States responds to a fire somewhere in the nation.⁴

Fire Damage

“A fire broke out in our barber shop and multiple workstations were ruined. We had to close down while we fixed the damages.”

Commercial property insurance helps protect your owned or rented building, plus the tools and equipment you use to operate your business.

Sprained Ankle

“Running my barber services from my house means having a space that isn’t as minimal as most shops. An older client tripped over my living room rug and sprained his ankle. And I got sued to pay the medical bills.”

Home-based business insurance gives your barbershop more protection than your homeowners insurance policy.

Get a Barber Insurance Quote From The Hartford

When it comes to protecting your barbershop from different kinds of risks, you need an insurance company you can rely on. We have over 200 years of experience and have helped over 1 million small business owners around the U.S. Our team is here for you at every step of the way. You can also work with an insurance agent to get the right coverage for your barbershop.

Find out more about other beauty and wellness professions we insure: