Cosmetology Insurance

cosmetology insurance

Cosmetology Business Insurance That Has You Covered

From working with chemicals to repetitive stress injuries, we know the risks you face daily at your cosmetology business. That’s why we offer cosmetology insurance that you can count on.
cosmetology insurance
cosmetician insurance

What Kind of Liability Insurance Do Cosmetologists Need?

Cosmetology insurance is a type of seguro para pequeñas empresas that can help cover claims of:
  • Lesiones corporales
  • Personal injury
  • Daños a la propiedad
  • Emotional distress
So, if you accidently color a client’s hair the wrong color and they file a claim against you, cosmetology business insurance can help.
Every cosmetologist business has unique needs. Some coverages you may need include:
professional insurance for cosmetologist

Who Needs Professional Insurance for Cosmetologists?

There are a variety of cosmetic and beauty professionals that may need business insurance, including:
  • Hairstylists
  • Barbers
  • Beauticians
This beauty insurance coverage can help pay for bodily injury and property damage claims.
Business Insurance for Cosmetologists

We Won’t Make You Wait

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

Protecting Your Property

You never think it’s going to happen to you, until it does. Having the right coverage can help protect your cosmetology business.
33.2% of theft at retail businesses comes from employees.1
beauty insurance


“In addition to offering hairstyling services our business sells products that enhance the health of our client’s hair. When I noticed our shelves of shampoo emptying out quicker than ever before I looked into it. Turns out our employees were stealing from us.”
Commercial property insurance can help cover owned or rented property that you use to operate your business like your:
  • Building
  • Equipos
  • Tools
  • Inventario
You can also add employee dishonesty coverage to your policy, which will help cover you from employee theft.
cosmetology liability insurance

Injured Employees

“After we wash our client’s hair, we always check to make sure there isn’t any water that got onto the tile floor. When one of our employees forgot this step, they ended up slipping and breaking their ankle.”
Workers’ compensation insurance can help provide important benefits to employees with a work-related injury or illness. This includes medical treatment.

Taking Care of Your Team

Accidents happen every day. Keep your employees and your business covered with cosmetology liability insurance that will protect you both.
49.5% of hairdressers suffer from knee and foot pain.2
cosmetologist insurance

Reacciones alérgicas

“For each client that comes in we offer advice on products that will make their hair look its best. But after a client had an allergic reaction to a product, they filed a claim against us.”
Professional liability insurance can help cover claims of:
  • Negligence
  • Misrepresentation
  • Inaccurate advice
cosmetician insurance coverage

Cyber Security

“We use software to keep our computers secure but when we forgot to update it, a hacker was able to get into our records. They downloaded all of our customers credit card information.”
Cyber security insurance can help cover data breaches that occur at your business. It can help pay to:
  • Notify affected customers, patients or employees
  • Hire a public relations firm
  • Offer credit monitoring services to data breach victims

Covering Your Operations

There are some things you can’t prevent, but you can always be prepared. Insurance that offers you the coverages you need is crucial.
Cybersecurity breaches increased 67% from 2013 to 2018.3
cosmetology business insurance

Daños a la propiedad

“We sent a few employees to a client’s home to do hair and makeup for a wedding. One of our employees ended up staining our client’s table with hair products. They filed a claim against us.”
Un Business Owners’ Policy (BOP) can help cover your business from property damage claims.
cosmetology insurance coverage

Product Liability

“We sell a variety of hair and beauty products to our clients. But after a product was too harsh for a client’s hair and caused breakage, they filed a lawsuit against us.”
Product liability insurance can help cover you if a product causes harm to a client. It’ll help pay your:
  • Customer’s medical costs to treat injuries
  • Legal fees
  • Settlements or judgments

How Much Does Cosmetology Insurance Cost?

The cost of your cosmetologist insurance will depend on the types of coverages your business needs. Some factors that determine how much you’ll pay include your:
  • Company size
  • Number of employees
  • Workers’ employment status
  • Specific business’ potential for loss
  • Lugar
  • Business’ age
  • Assets’ value
  • Coverage needs
To learn more about insurance programs and how much you’ll pay for coverage, obtener una cotización  hoy mismo.
Find out more about other beauty and wellness professions we insure:
general liability insurance for cosmetologists

Cosmetology Insurance Made for Your Business

From working with chemicals to recommending products, we know you face risks on the job. That’s why you need coverage that you can count on to have your business’ back.
Iniciar cotización
Última actualización: 8 de junio de 2022
1 National Retail Federation (NRF), “2018 National Retail Security Survey.”
2 Journal of Occupational Health, “Work-Related Musculoskeletal Disorders and Associated Risk Factors Among Urban Metropolitan Hairdressers in India.”
3 Accenture Security, “The Cost of Cybercrime.”
Divulgaciones adicionales a continuación.
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