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Insurance for Hair and Beauty Salons and Hairstylists
Hair and Beauty Salons
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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 personal care insurance include:
- Services offered, such as haircuts, massage, or tanning
- Value of business property
- Business income and size
- Types of business insurance purchased
- Policy limits and deductibles
State insurance requirements
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.
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