Barber Insurance

barber insurance

Barber Insurance Styled for Your Business

Whether you’re giving a trim or perfecting a fade, having a barber insurance policy that you can tailor to your business can give you the confidence you need to run your shop.
 
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barber shop insurance

Why Do You Need Barbershop Insurance?

Your barbershop faces a lot of unique risks because of the work you do every day, such as:
 
  • Working with sharp scissors and tools
  • Managing stylists, barbers and other staff
  • Having customers inside your business
  • Stocking heavy products
barbershop insurance certificate

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.
Barbershop owners deal with unique risks, on top of common ones many other businesses face. From property damage or losing important records, it’s important you protect your barbershop from these kinds of risks. That’s why getting barbershop insurance, also known as seguro de negocio, is an essential part of a successful shop.
barber shop insurance coverage

Common Barber Insurance Coverages:

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

What Barbershop Insurance Coverages Should I Have?

Most barbershops have a Póliza para propietarios de empresas (BOP), which combines three coverages into one.
 
General liability insurance helps protect your shop from claims of bodily injury or property damage. So, if you or one of your stylists accidentally cuts a client, your policy can help cover their treatment costs.
 
Commercial property insurance helps protect your barbershop’s owned or rented building and business property. This includes:
 
  • Clippers
  • Blow dryers
  • Towel-warming machines
  • Grooming chairs
Business income insurance replaces some of your lost income if you can’t open your barbershop because of covered property damage.
 
If you run your barbershop from your home, you should look into our home-based business insurance.
barber shop business insurance

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 Team

From standing for long hours to slips and falls, you and your staff face different injury risks that can be expensive and take time to recover from. Having the right barber insurance coverage can help keep your staff protected.
Barbers report frequent musculoskeletal disorders and injuries can occur within the first year of work.1
barber liability insurance

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 healthcare professionals throughout the country.
barber shop liability insurance

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.”
 
Professional liability helps protect you and your staff for making a mistake in the services you provide. It can help cover your legal costs or settlements and judgments made in the lawsuit.

Covering Your 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.2
barber public liability insurance

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 OK, but ended up suing our shop.”
 
General liability insurance can help protect you and your staff if someone sues your business for bodily injury or property damage.
barber shop workers' comp insurance

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 Property

From the right tools to style clients’ 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.
28% of small businesses experienced a data breach in 2019.3
cyber liability insurance for barbers

Cyber Insurance

“When we tried to log into our point-of-sale system one morning, we were alerted that we’d been hacked. They stole our customers’ payment information and we had to notify our clients and offer credit monitoring services.”
 
Cyber insurance can help you respond to a data breach by covering your notification costs and creating a plan to improve your barbershop’s reputation.
self employed barber insurance

Home-Based Protection

“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 barber shop more protection than your homeowners insurance.

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.
barber insurance quote

Barber Insurance That Has Your Back

Get the protection you need to help keep your small business running smoothly and successfully.
 
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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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