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Beauty Salon Insurance: Cost, Quotes & More

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Running a beauty business business, be it a tanning salon, spa, makeup business, bodywork, nail salon or a cosmetology business, is hard enough when you don’t have to worry about a single mistake sinking your business. Insurance lets you make sure that you don’t end up in an untenable position because of a lawsuit, but buying business insurance, and particularly beauty salon business insurance or beautician liability insurance is usually a challenge if you don’t have the knowledge or experience shopping around for it.

To make things easier on you, we’ve gone ahead and done all of the research about buying beauty salon and beautician insurance. We’ll discuss the various forms of beauty professional insurance that are available, explore the average beauty salon insurance cost, and give you the lowdown on the various forms of beauty shop insurance that are available.

Let's nail it, shall we? :-)

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Beauty Salon Liability Insurance

Liability insurance is the most common form of beauty professional insurance because it protects you from the kinds of lawsuits that are known to destroy businesses. Liability insurance typically applies to things that occur on your business premises, which fits beauty salons well since customers need to come to you in person.

Beauty salon liability insurance kicks in when you have a lawsuit related to bodily injury or property damage. For example, if someone ends up having their clothing or shoes ruined at your salon by a burst pipe, then you’ll be covered for the cost of their clothes that were ruined because that counts as property damage.

As for bodily injury, that coverage kicks in when someone gets accidentally injured at your business. A simple fall could lead to one of your clients having expensive medical bills to deal with, and if they come after you for those medical bills, your insurance policy will pay out on your behalf.

Keep in mind that there are different kinds of liability insurance available for beauty salons and shops, including general liability coverage and public liability insurance for beauty salons and beauticians. General liability insurance will apply to anyone on the premises of the business, including the employees, vendors and the owner, in addition to the customers.

Public Liability Insurance for Beauty Salon and Beauticians

Public liability insurance  for beauty salon and beauticians is a slightly more affordable form of liability insurance for beauticians that is available for beauty salons because it is limited to the individuals that are covered by the policy. Whereas general liability insurance applies to everyone at your business, public liability insurance for beauty professionals only applies to members of the public that get in touch with your business.

Members of the public include your customers and third parties who come to your beauty shop, including employees of other businesses who come to help you restock. While public liability is more limited, members of the public are the most likely ones to file a lawsuit against you, meaning that it offers good value for money. 

However, for bigger businesses with employees, multiple business owners, vendors and customers that frequently get in touch with your beauty salon and visit it, we recommend general liability insurance beauty salons and beauticians as it provides you with a broader coverage from a larger spectrum of risks.

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Beauty Salon Insurance Cost

It’s hard to estimate how much does beauty salon insurance cost because there are a lot of factors that can influence your premiums. However, in general, the average beauty salon insurance cost is about $32 per month or $384 per year for a standard general liability insurance policy.

The main thing to consider is the size of your operation because that will directly influence how much of a risk the insurance company is taking.

Larger salons will have more customers coming through their doors, meaning that there’s a higher chance of the business ending up on the receiving end of a lawsuit if something goes wrong. You’ll also want to account for your business’s history. If your salon has a history of people getting hurt on site, you can expect to pay a lot more for coverage.

To make sure that we can give you a good baseline of how much you can expect to pay for beauty salon insurance, we’ve gathered the following beauty salon insurance quotes based on a salon of moderate size that has no black marks on their history.

CompanyCost per monthCost per yearBest for
Allstate$42$504BOP
The Hartford$34$408Overall
Progressive$30$360#2 overall
Next$30$360Quickest Liability
Hiscox$29$348Home-based salons & multipolicy
Thimble$28$330On-Demand policies
Coverwallet$23$276Quote comparison
Beauty & Bodywork$8$96Cheapest rates


Home Beauty Salon Insurance

Home beauty salons are typically a lot more affordable to ensure than larger operations because home salons typically don’t have many employees, if any. 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.

One thing to consider is that your homeowners insurance policy likely 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 homeowners policies, so you’ll need to get separate commercial coverage on your own.

Best Beauty Salon Insurance Companies

Finding beauty salon insurance quotes is a lot easier when you know which company you’d like to work with. There are a few carriers that are more qualified when it comes to dealing with beauty shop insurance. We’re going to take a look at these companies, the specifics of their policies, and the average premiums you’ll pay.

Progressive Beauty Salon Insurance

Even though Progressive is known for its auto insurance, this company also dabbles in other forms of coverage, including beauty salon insurance. Progressive has been in business since 1937, has since expanded into Australia, and the company is based in Mayfield Village, Ohio.

Progressive Policy Details

Progressive offers a few different kinds of beauty salon business insurance, including general liability and professional liability coverage (also known as E&O insurance). They also offer BOPs and workers’ comp policies for beauty salons through their Progressive Advantage Business Program

Pros:

  • Easy online quote process

  • Offers both general and professional liability

  • BOPs and workers’ comp also available

Cons:

  • Not fulfilled directly by Progressive

Average cost: $30 per month

Best for: E&O coverage and #2 overall

The Hartford Beauty Salon Insurance

The Hartford is short for The Hartford Financial Services Group, Inc., and as you’d expect from the company’s name, their HQ is in Hartford, CT. This company has been in business since 1810, and they’ve managed to make it through some of the most devastating events in American peacetime history.

The Hartford Policy Details

The Hartford offers a wide range of insurance policies for beauty salons, including general liability coverage, professional liability insurance, commercial auto coverage, equipment breakdown, and more. The Hartford’s BOPs combine general liability coverage, commercial property insurance, and business income coverage.

Pros:

  • BOP offers good value for money

  • Covers home-based salons

Cons:

  • Expensive

Average cost: $34 per month

Best for: Overall

Compare Beauty Salon Insurance Quotes

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