Hair and Beauty Salon Insurance

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Get a salon insurance policy designed for your needs and budget

Hair salon insurance is a necessary type of protection for owners and stylists. Since you work closely with your clients and are changing their appearance, you need to take extra precautions to protect yourself with liability protection. All it takes is one bad haircut or colour job to jeopardize your salon if you don't have insurance. Whether you own a salon, rent a chair, or work out of your house, we’ll ensure you’re covered. Compare hair salon insurance quotes today.

Top things to know about salon insurance

Insurance requirements will vary depending on if you are a salon owner or a hair stylist renting a chair.
Salon insurance is required and recommended because you work so closely with the public.
Hair salon insurance applies to anyone working with hair - stylists, colour professionals, barbers, shaving and beard trimming professionals.

What is salon insurance?

Hair salon insurance is an insurance package designed for hair professionals. Coverage protects anyone who works with hair - stylists, colourists, and barbers. You can get a policy if you rent a chair, are self-employed, or own one or more salon locations. Salon insurance protects against risks specific to offering hairdressing services, such as customer liability and protection for your equipment, tools, and location.

Who needs salon insurance?

If you cut, colour, or style hair, you need a reliable insurance policy to protect you if an unhappy client takes legal action. Here’s a list of hair professionals we insure:

Hair salon owners
Independent hair stylists
Colourists
Beauticians
Hair stylists
Mobile hairdressers
Home-based salons
Barbershop owners
Barbers and beard trimmers

You may need additional coverage if you offer additional beauty services such as waxing, makeup, and other aesthetic services, you may need extra coverage. Talk with our team to find the right insurance package for your salon.

What does hair salon insurance cover?

hairdresser serving client at barber shop.

Hair salon liability insurance: This is a form of Commercial general liability insurance specifically for those in the hair care industry. It protects you against property damage and bodily injury if it happens in your salon.
Professional liability insurance: This protects you, other stylists and salon employees if you give hair care advice that leads to a client damaging or losing hair, or other injuries. For example, chemical burns from products or hairstyle techniques. You are also covered for negligence or failing to deliver a service as advertised.
Product liability insurance: Liability protection if the hair products or items you sell cause harm. For example, if a shampoo stains or burns a person's scalp.
Commercial property insurance: This protects your salon from damage from fire, vandalism, and weather events. Most policies include a contents portion of coverage, which covers the stuff in your salon. This includes chairs, decor, mirrors, supplies, and tools. You’ll need a commercial tenant insurance policy if you rent your salon.
Business interruption insurance: You’ll receive financial compensation if you are forced to close down due to an unforeseen event.

Common threat to your hair salon

While most don’t associate getting a haircut with danger, there are risks to every type of business. In the hair industry, the following threats are very real. Here are things insurance can help salon owners protect against:

Trip and fall injuries from wet floors, hair on the floor, and other tripping hazards
Adverse reactions to colours and dyes
Chemical burns from hair care products
Giving bad hair care advice that causes harm
Razor and scissor cuts
Theft
Break-ins
Negligent actions by you or staff members

How to get hair salon insurance quotes

Our commercial insurance brokers will help you find and compare the best salon insurance quotes. We’ll ensure you have the right policy to protect your salon. Follow these simple steps:

Provide your company details

Tell us about your business and operations.

We’ll shop for the cheapest quote

We’ll compare quotes from the top providers in the country.

Select the best rate and get insured

Choose the lowest price and save on your commercial insurance policy.

How much does hair salon insurance cost?

hairdresser makes hair styling in a salon

The insurance cost for a hair salon or barbershop depends on the size and scope of your business. Premiums can start as low as $500 annually for a small salon for basic coverage. There are many factors insurers consider when assessing your premiums. They include:

Salon location and size
Number of employees
Annual revenue
The type of services offered
Your training, education, and industry experience
Insurance claims history
If you have specialized hair care equipment and products on-site

Hair salon insurance FAQs

Is salon insurance mandatory?

All salons require liability insurance, at a minimum. However, you will need additional coverage based on your product and service offerings. Coverage is essential because you work closely with clients. Coverage needs can also vary if you have a salon or a commercial location in your home.

Do home-based salons need insurance?

Yes. Even if you offer salon services out of your home, you need commercial insurance coverage. Your home insurance policy will not cover you if your home is damaged or a client sues you. You’ll need to add home-based business insurance coverage.

Do mobile hairdressers or stylists need insurance?

Yes, you need insurance if you offer hair care services, regardless of location. There is always a risk to providing services at a third-party location. For example, what if you drop hair colour and ruin a client's rug? Or what if you spill something and cause someone to fall and hurt themselves? Even if you only do hair on the side as a part-time gig, it's best to have insurance to protect yourself and your financial well-being. All it takes is one lawsuit to put you in financial peril.

Do I need insurance if I rent a salon chair?

It depends on the salon and the owner's insurance policy. Some salon owners will have insurance to cover you, while others may require you to take out your own salon insurance policy. Speak with the owner and our brokers to get the coverage you need.

Get a salon insurance quote

Compare insurance quotes for your salon or barbershop with ThinkInsure. Our advisors will help you identify threats to your salon and create a policy to protect you. Speak with us today.

Call 1-855-550-5515 or request a quote online, and we’ll be happy to help.

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