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Beauty salon
insurance
Let us help you find the right insurance coverage to protect your salon.
Or call 844-925-1272 for a quote
Your beauty salon business is your livelihood. Protect it.
You've worked hard to build your salon business. We'll work hard to find you a customized insurance solution to protect it from the unexpected.
Get customized insurance for your...
- Barber shop
- Beauty salon
- Hair salon
These are just a handful of the types of beauty salon businesses we work with. Our industry expertise allows us to offer coverage to a wide range of businesses.
Why do salon owners need business insurance?
Small business insurance helps keep your salon thriving when the unexpected occurs. Use it to protect yourself from risks common to salons, whether it's a customer slipping and falling or a small fire.
Why choose Liberty Mutual to protect your business?
Why work with independent insurance agents
Is a business owner's policy right for you?
A business owner's policy (BOP) combines general liability and commercial property in a single policy. You can supplement a BOP with other coverages like business income and cyber.
What kinds of insurance does a salon need?
Here are the main types of insurance salons choose to protect their business.
General and professional liability
General liability insurance protects a salon from claims of bodily injuries and property damage accidentally caused by the business.
Adding professional liability coverage protects the business when those claims are allegedly tied to mistakes you made when delivering services.
Get general and professional liability insurance to safeguard your salon from a variety of incidents that bring liability claims, such as
- Injuries to customers who slip and fall while in the salon
- Bodily injuries caused by scissors, razors, curling irons, or chemical treatments
- Damage to customers' personal items such as clothing and jewelry
Commercial property
Most salon owners get commercial property insurance to protect themselves from the financial impact of property losses.
Commercial property insurance can help protect your salon from losses like
- Theft of expensive salon equipment, tools, and styling products
- Water damage from burst drain pipes or malfunctioning sprinkler systems
- Damage to signage outside the salon from covered weather events
Workers compensation
Have employees? Most states require that any small business with one or more employees have workers compensation insurance.
Workers compensation helps protect your salon when an employee gets sick or injured on the job, such as
- Paying for stitches when an employee accidentally cuts themselves with scissors
- Offsetting lost wages when an employee needs time off to recover after reacting badly to one of the salon's chemical products
- Covering physical therapy when an employee develops a repetitive stress injury
Beauty salon insurance frequently asked questions
To get salon insurance, you can start a quote online or speak with an independent agent. An agent can help you identify potential risks and review additional coverages, if needed.
The cost of beauty salon insurance varies depending on the coverage needed to address the risks unique to your business.
Keep in mind that the cheapest salon insurance isn't necessarily the best salon insurance.
Workers compensation insurance, also known as workers comp, covers lost income and the cost of medical care when your salon employees become injured or ill as a direct result of their jobs.
Most states require that small businesses with employees carry workers compensation insurance.
Hair stylists often get general liability insurance to protect themselves from client claims of accidental bodily injury or damage to personal belongings that happen while they're at the salon.
Adding professional liability coverage helps protect a salon when those claims are allegedly tied to mistakes made when delivering services.
Barber shops often get general liability and commercial property - or a business owner's policy combining both - as well as workers compensation if the shop has employees.
Protect what you've worked
hard to build
hard to build
Take the first step by getting a quote now or finding an independent
agent who can help you choose the right coverage options.