Who Does Salon Insurance Cover?
- Hair Salons & Hairstylists
- Nail Salons
- Tanning Salons
- Cosmetologists/Estheticians
We Won’t Make You Wait
We know how important your time is. Get your proof of insurance instantly online.
Why Hair Salons & Hairstylists Need Business Insurance
We know how dedicated you are to your customers. And so are we. That’s why we work to get to know every small business we serve. This helps us match coverages to the specific risks you may face at your beauty salon, so you can save money while knowing you’re protected from potential disasters.
What Salon Insurance Should Hairstylists Have?
- Seguro general contra terceros
- Business Income Off Premises Coverage
- Barber Shop and Beauty Salon Professional Liability Insurance
- Equipment Breakdown Insurance
- Autos comerciales
- Workers’ Compensation Insurance
Business Insurance Coverages for Salons
If you run a hair salon out of your house, having home-based business insurance coverage can help protect your business.
If you own a beauty salon and have employees who work for you out of a location, we’ve created a plan that’s perfect for small business owners. Our Business Owner’s Policy offers three important insurance coverages:
- General liability insurance, which can protect your salon business if clients sue for bodily injuries or property damage.
- Commercial property insurance, which covers the place where you do business and the tools you use, like salon equipment and furniture.
- Business income insurance, which helps replace lost income if you can’t run your salon business because of covered property damage, like a fire.
Small Business Salon Insurance
As a hairstylist, insurance coverage may not seem that important, but it’s crucial to have – not just for your customers, but for yourself. The right salon insurance will help cover the costs of unexpected issues that could shut down the business you’ve worked so hard to build.
Watch this video about why you need Small Business Insurance.
Employee Injuries
“My receptionist was helping me on a busy Saturday and took my new pair of scissors to clean. She was rushing and didn’t realize how sharp they were and ended up slicing her finger pretty bad. So bad that she needed a few stiches.”
Workers’ compensation insurance is required by most states to help small business owners provide important benefits to employees for work-related injuries or illnesses.
Client Lawsuit
“My cosmetologist did makeup for a bride with a nickel allergy. She applied temporary makeup and sent the bride a list of all the ingredients in each of the makeups beforehand to approve. However, the bride’s eyes swelled, and she sued my makeup artist.”
Professional liability insurance helps protect you and your company against lawsuits that claim the professional advice or services you’ve provided caused a client harm.
Customer Injury
“I had just put this pretty new rug down in the waiting area. Apparently the edge was curled up a bit and when an older client walked in, she tripped right over it and fell face first into my display cabinet.”
General liability insurance helps protect your business from lawsuits that result from bodily injuries, property damage, libel or slander.
Burn
“We trained our new esthetician how to work our wax machine. However, on her first client, she spread the wax on too soon it ended up causing a pretty bad burn.”
Professional liability covers bodily injury, property damage and personal or advertising injury from the services your employees have performed.
Robo
“I had just remodeled, which included upgrading all of my stylists’ tools. I got them each top-of-the-line blow dryers and shears which totaled over $5,000. Apparently, one of my newest hires told someone about our latest upgrades and they broke in during the night, stealing it all.”
Commercial property insurance helps protect your equipment. From curling irons to computers, we’re here to help protect the property that keeps your business running.
Daños a la propiedad
“My team travels a lot for weddings. We were doing hair for a big bridal party with a lot of little kids. One of them tripped over our cords for the curling irons and knocked 3 of them onto the floor, cracking the ceramic and completely destroying them. We had to cancel several appointments until we could get replacements.”
Business income off premises coverage helps protect against the loss of business income when your tools or equipment are damaged outside of your salon.
Salon Insurance That Has Your Back
Get the protection you need to help keep your small business running successfully.
More Answers to Frequently Asked Business Insurance Questions
Divulgaciones adicionales a continuación.