Just like running a makeup business, spa, or massage therapy clinic, running a beauty salon comes with many risks. Protect your beauty salon against business income loss, lawsuits, equipment breakdown, and other exposures with beauty salon insurance.
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As a beauty salon owner, you need general liability insurance, professional liability insurance, and commercial property insurance. Though less popular, you might find workers' compensation insurance, commercial auto insurance, and employer’s liability insurance equally useful.
Limits Of General Liability Insurance for Beauty Salons
| Value | |
|---|---|
| General liability insurance per occurrence limit | $1 million-$2 million |
| General liability insurance aggregate limit | $2 million-$4 million |
| Products and completed operations coverage limit | $3 million |
| Advertising injury coverage limit | $1 million-$2 million |
| Rented premises liability coverage limit | $300,000 |
| Business equipment floater limit | $2,000 |
Just like tanning salons and spas, your beauty salon allows people to access its premises.
You must grant compensation to customers, vendors, independent contractors, and visitors if they sustain injuries at your premises. Consider getting $1 million-$2 million general liability insurance.
General liability insurance for beauty salons grants a shield if nail technicians, massage therapists, microblading technicians, makeup artists, and other employees cause injuries or property damage. Here are situations where you’ll find beauty salon liability insurance useful:
A client demands your beauty salon to compensate her pain and suffering after the nail technician caused severe bleeding while removing an ingrown nail
The massage therapist of your salon left a client’s body swollen and full of bruises
A client files a claim for bodily injury after falling on the floor due to oil on the floor that your employees forgot to clean
The client was charging her phone in your beauty salon’s outlet. An electrical surge happened, and the phone got broken
Your beauty salon’s general liability insurance will take care of these costs each time a third party files a claim for bodily injuries or property damage:
Medical treatments
Refunds for damaged properties
Settlements
Attorney fees, court filing fees, and other defense costs
Court judgments
General liability insurance for beauty salons is a broad form policy. And so, it doesn’t only cover claims for bodily injuries or property damage. This insurance will also protect your business against:
Claims for slander, libel, copyright infringement, invasion of privacy, and breach of confidentiality
Claims for bodily injuries or property damage caused by a commercial vehicle your beauty salon hired or borrowed
Fire damage to a commercial space your beauty salon is renting
Your beauty salon’s general liability insurance will automatically have product liability insurance. Product liability insurance will cover costs if a claim is filed after your services aggravated existing bodily conditions, left ugly marks, or caused infections.
Public liability insurance for beauty salon covers claims for bodily injuries or property damage. In the USA, this is automatically offered as part of general liability insurance. Therefore, general liability policies for beauty salons in the USA automatically grant public liability coverage to the policyholder.
Limits Of Professional Liability Insurance for Beauty Salons
| Value | |
|---|---|
| Professional liability per occurrence limit | $2 million |
| Professional liability aggregate limit | $2 million |
| Deductible | $1,000 |
Your beauty salon needs $2 million professional liability insurance. This type of beauty salon business insurance is very important as mistakes and oversights can happen during a microblading, massage therapy, or tanning session.
Professional liability insurance kicks in when your beauty salon and its employees committed or allegedly committed negligence, violation of fair dealing, misrepresentation, violation of good faith, inaccurate advice, and breach of confidentiality.
You can get professional liability insurance as a stand-alone policy or as an optional coverage in general liability insurance. Use this insurance when:
A client files a claim and accuses your beauty salon of falsifying the portfolio and licenses of employees
A client paid for more than the suggested cost of the service your beauty salon provided
Your beauty salon shared the confidential information of a client to another party without consent
An employee didn’t pay attention, failed to evaluate, or used the wrong products. Because of this, a client sustained severe injuries
Your employee’s beauty salon didn’t heed to the instructions and gave the client a bad hairdo or makeup
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Limits Of Commercial Property Insurance for Beauty Salons
| Value | |
|---|---|
| Building coverage limit | $15,000-$500,000 |
| Contents coverage limit | $10,000-$50,000 |
| Outdoor signs, fences, trees, and other exterior installations coverage limit | $2,500-$10,000 |
| Money and securities coverage limit | $1,000-$2,500 |
| Employee dishonesty coverage limit | $5,000-$10,000 |
| Credit card loss or damage coverage limit | $500-$1,500 |
| Water backup and sump overflow coverage limit | $5,000 |
Building a beauty salon or renovating a commercial space into one takes a lot of money. There are a lot of costs to account for such as labor, materials, interior decors, equipment, and others.
Protect your investments against the unexpected through commercial property insurance.
Commercial property insurance will help you recover lost money and get the flooring, roofing, siding, walls, or the entire building fixed if the beauty salon gets destroyed or damaged by:
Fire
Theft
Civil commotion
Vandalism
Riot
Malicious mischief
Sprinkler leakage
Smoke
Sinkhole collapse
Aircraft
Vehicle
Impact
Lightning
Rain
Wind
Snow
Hail
Commercial property insurance also covers the valuables inside your beauty salon’s building such as employee personal effects, chairs, massage tables, tanning devices, hair dryers, computers, television, and others.
Though comprehensive and covers a wide range of situations that will result in business property damage or loss, commercial property insurance doesn’t protect your beauty salon against floods, earthquakes, mudslides, and landslides.
A rule of thumb: Always remember that commercial property insurance must provide a building and contents coverage equal to the replacement cost of your beauty salon’s building and personal property.
Commercial property insurance doesn’t usually cover the breakage of equipment. Because of this, consider getting equipment breakdown insurance for your beauty salon. Equipment breakdown insurance protects all items you use for a beauty service.
Typical items this insurance covers are seats, tables, wash bins, hair dryers, facial machines, electric massage chairs, blowers, carts, trolleys, brushes, scissors, razors, and hair styling stations. Use this insurance when beauty equipment becomes lost or damaged due to:
Fire
Theft
Operator error
Impact
Electrical surge
Electrical shorts
Mysterious disappearance
The part-time and full-time employees of your beauty salon constantly face dangers.
For example, hair stylists might get burned while using hair straighteners, massage therapists can exhibit severe reactions to oils and lotions, and nail technicians can get cut or punctured by their nipper or pusher.
Protect employees and prevent them from suing you for work-related injuries or diseases by getting workers compensation insurance. Workers' compensation insurance covers these costs on your behalf:
Employee medical treatment costs and private EMT fees
Hospital bills such as food, nursing, room, laboratory, etc.
Prescription medicines
Rehabilitation and retraining
Lost wages
Funeral expenses and allowance to dependents
Workers' compensation insurance only covers the occupational disease or injury of part-time and full-time employees. It doesn’t automatically cover independent contractors, interns, and volunteers. Get these workers covered by naming them as additional insureds in your beauty salon’s workers' compensation insurance.
Also, workers' compensation insurance doesn’t have a set limit. The amount of coverage from this policy is provided by the worker's comp law of the state where your beauty salon is registered.
Limits Of Employer’s Liability Insurance for Beauty Salons
| Value | |
|---|---|
| Each employee injury by accident coverage limit | $1 million |
| Each employee injury by disease coverage limit | $1 million |
| Employee injury per policy limit | $1 million |
You will find employer’s liability insurance automatically included in the workers' compensation insurance of your beauty salon. You can also add or exclude this from workers comp yourself.
Employer’s liability insurance helps to pay settlements, defense costs, and court judgments when an employee holds your beauty salon liable for a work-related injury or disease.
Ideally, your beauty salon must get an employer’s liability insurance offering $500,000 coverage for each employee injury by accident or disease.
We suggest you get commercial auto insurance if your beauty salon has its own commercial vehicle or if you use a van, bus, or truck as a mobile beauty salon.
Commercial auto insurance provides protection against the exposures associated with the use of a commercial vehicle. You can use this to:
Cover the medical treatment or property damage of third parties who got involved in an accident caused by your van, bus, or truck
Pay for vehicle repair expenses if your business’s van, bus, or truck got damaged due to collision, fire, theft, vandalism, hail, weather, and other covered perils
Cover the medical treatment of the driver and passengers if the other driver who caused the accident can’t grant indemnification with his insurance policy
Reimburse rental expenses if you need to hire a commercial vehicle for your beauty salon
Cover the repair or replacement of equipment attached to your beauty salon’s vehicle
Similar to commercial auto insurance, inland marine insurance isn’t very useful if you’re running a beauty salon in a commercial space. However, get this if you’re making money through a mobile beauty salon.
Inland marine insurance, unlike commercial property insurance, recovers your financial losses if business equipment gets damaged or lost during transit. Coverage applies on instances of theft, mysterious disappearance, malicious mischief, impact, and error.
While available as a stand-alone policy, you can get inland marine insurance as a rider to commercial property insurance or general liability insurance with a business equipment floater.
Home beauty salons are typically a lot more affordable to ensure than larger operations because home salons typically don’t have many employees.
This reduces the cost of insurance because the carrier is taking a smaller risk when you have a smaller operation. However, there are a few specifics to consider if you’re trying to get home beauty salon insurance.
Consider that your homeowners' insurance policy won’t cover you during your business hours. The minute you start using your home for a commercial purpose, it is excluded from the vast majority of homeowner's policies, so you’ll need to get separate commercial coverage on your own.
If you’re running a home beauty salon, get general liability insurance and professional liability insurance. Also, look for insurance companies that allow their commercial property insurance to cover home-based businesses.
Each insurance for your beauty salon has its own cost. Here’s a table showing the rates of general liability insurance, professional liability insurance, and others:
| Cost per Month | Cost per Year | |
|---|---|---|
| General liability insurance | $32 | $384 |
| Professional liability insurance | $41.16 | $493.92 |
| Workers compensation insurance | $56.25 | $675 |
| Business owner’s policy | $39.83 | $477.96 |
The average beauty salon insurance cost is about $32 per month or $384 per year for a $1 million general liability insurance policy. This estimate assumes that your beauty salon has 5 employees and generates $500,000-$750,000 per year.
Insurance companies have their own rates. That’s why the cost of premiums will also depend on which carrier insured your beauty salon. Here’s a table showing the rates of carriers worth trying:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $8 | $96 | Best overall; Fastest and cheapest general liability insurance for beauty salons |
| CoverWallet | $13 | $156 | Beauty salon insurance quotes comparison online |
| Tivly | $15 | $180 | Comparing beauty salon insurance quotes over the phone |
| Thimble | $20 | $240 | On-demand beauty salon insurance |
| Hiscox | $25 | $300 | General liability insurance with worldwide coverage for beauty salons |
Get all the best quotes from leading providers in a click of a button!
Read some of the reviews below to know the best beauty salon insurance companies’ pros, cons, and rate for a $1 million general liability insurance
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for beauty salons
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more beauty salon insurance policies and get a 10% discount
Couldn't find any
NEXT covers your beauty salon through its beautician insurance. Policies you can get are general liability insurance, workers' compensation insurance, professional liability insurance, and commercial property insurance.
Your general liability insurance from this company will have a $1 million per occurrence limit with a $2 million aggregate. Invest more in premiums to include a professional liability policy in the language of your general liability insurance. Policy limits will be $1 million per occurrence and $1 million aggregate.
Best for: Best overall; Fastest and cheapest general liability insurance for beauty salons
Average cost: $8 per month
Our rating: 10/10
Compare beauty salon insurance quotes online
Call and cancel your policy anytime
Also sells beauty shop insurance
Online payment of premiums and policy management
No hidden charges
Not an insurance company but an insurance broker
CoverWallet’s beauty salon insurance offers professional liability, workers' compensation, and general liability insurance.
Your beauty salon’s general liability insurance from this company will have a $1 million per occurrence limit with a $2 million aggregate. You can add landlords, clients, and booth renters as additional insureds for free.
CoverWallet’s commercial property insurance provides $50,000 coverage for your beauty salon’s building and contents. Coverage for outdoor installations is excluded. Nonetheless, this is okay because business interruption insurance is included as an extra perk.
Best for: Beauty salon insurance quotes comparison online
Average cost: $13 per month
Our rating: 10/10
A partner of reputable insurance companies
Provides coverage for beauty salons with a poor business profile
Responsive customer service
Can refer you to partners if it can’t provide coverage
You need to call to get a quote
Companies such as Thimble and NEXT will recommend calling Tivly (formerly CommercialInsurance.NET) if your beauty salon’s underwriting profile is poor. Policies you can get from this company are general liability, workers' compensation, commercial property, commercial auto insurance, etc.
Call Tivly now and compare beauty salon insurance quotes over the phone
Best for: Comparing beauty salon insurance quotes over the phone
Average cost: $15 per month
Our rating: 10/10
On demand beauty salon insurance
You can insure your beauty salon for only hours, days, or weeks
Commercial property insurance for beauty salons has a lot of perks
Quick to issue an estimate of your rates
You can only get commercial property insurance through a BOP
Thimble’s beauty salon insurance allows you to get a business owner’s policy and workers' compensation insurance. The business owner’s policy of this company offers a general liability insurance with a $1 million per occurrence limit and a commercial property insurance providing $25,000-$500,000 coverage for your beauty salon’s building and contents.
Best for: On-demand beauty salon insurance
Average cost: $20 per month
Our rating: 9/10
Worldwide coverage
Professional liability insurance covers contributory damages
14-day money back guarantee
Grants a discount if you bundle two or more beauty salon insurance policies
Doesn’t offer a commercial property policy in its beauty salon insurance
Hiscox covers your beauty salon through its beautician insurance plan. Policies available are general liability, professional liability, and cyber liability insurance.
Hiscox’s general liability insurance for beauty salons has a $300,000-$2 million occurrence and aggregate limit. On the other hand, the aggregate and per occurrence limit of professional liability insurance is $250,000.
Best for: General liability insurance with worldwide coverage for beauty salons
Average cost: $25 per month
Our rating: 9/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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