For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Women can't just trust anyone with their hair. This is why many go to a salon offering hair styling services that can be trusted and meet expectations.
So how do you make your hair salon business more trustworthy? Purchasing insurance is one of the ways.
And why do you need insurance anyway? Similar to a barber shop, your hair salon is vulnerable to exposures. A customer can sustain burns due to your beautician’s fault. Someone can also slip and fall due to the spilled liquids. It’s also not impossible to face a frivolous claim just because your hairstylist didn’t properly groom the customer’s hair.
Hair salon insurance provides the best coverage for your business. Read this guide to know what policies are included, how much premiums cost, and which company to work with.
General liability and professional liability are the two types of hair salon liability insurance. These are the most important types of insurance for your business. Proceed below to know how these work.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included |
The first insurance that you should consider getting is a general liability policy. This is the hair salon business insurance that will cover costs if your business inflicts property damage or bodily injuries to customers by accident. You can also use this to cover claims for slander, libel, and copyright infringement. Use the table above to see which insurance company offers the best general liability insurance.
General liability insurance can help your hair salon if the following situations happen:
A client slips and falls while exiting or entering your hair salon
The client falls from the lavatory while taking a pee or defecating
Your employee accidentally cuts a client’s ear with a shear
The poorly maintained furniture of your hair salon damaged the client’s clothing or expensive bag
General liability insurance helps your hair salon cover medical treatments, reimburse damaged properties, pay legal defense costs, and satisfy court judgments if a claim is filed. The amount of coverage for these expenses is set at $1 million-$2 million.
Yes. General liability insurance comes with a product liability coverage. And so, you’ll receive another $1 million-$2 million worth of coverage in case a customer sustains injuries after using the products sold at your hair salon and files a claim.
| CoverWallet (Best) | NEXT | Thimble | Hiscox | Simply Business | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $50/$10,000 |
Your hair salon makes money by tending to the grooming needs of clients. When providing a service, your hair salon must observe the highest degree of care, expertise, and integrity. Clients can file a claim if the opposite happens.
A professional liability policy is the hair salon insurance coverage that will cover legal defense, reimburse the claimant’s financial losses, and meet court judgments if a claim is filed against your services. Use the table above to see which insurance company offers the best professional liability insurance for hair salons.
By having professional liability insurance, your hair salon can easily sort things out when the following happens:
A customer was accidentally cut because the employee wasn’t paying adequate attention during the hair grooming session
A claim is filed because your hair salon allegedly hired hairdressers with no adequate experience
Your hair salon misrepresented the cost of its services to encourage customers to visit
Your hair salon allegedly badmouthed another beauty business in a blog, social media post, or marketing campaign
Your hair salon is hired for the wedding and it didn’t provide satisfactory services to the bride and groom
Coverage doesn’t apply. Insurance companies don’t include accusations of discrimination or refusal to provide a service in the terms of professional liability insurance unless the policy is underwritten for businesses in the healthcare industry.
Yes. Professional liability insurance comes with a license defense coverage. That said, an employee can request you to use this insurance in case authorities file an inquiry or legal proceeding for license revocation and suspension.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $340,000 | $25,000/$500,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded |
Your hair salon is a physical space. And since it’s a physical space, damage or destruction can happen. Purchase commercial property insurance to avoid finding your business on the rocks. Use the table above to see which insurance company offers this type of hairdressing salon insurance best.
Commercial property insurance grants help by reimbursing financial losses if your hair salon, as well as the equipment and furniture inside, gets damaged or lost due to theft, fire, vandalism, weather, riot, civil commotion, falling objects, vehicles, sprinkler leakage, and other covered perils.
Hair salon equipment usually insured using commercial property insurance are portable hair wash basins, dryers, blowers, wax machines, scissors and cheers, hair clippers, POS system, hydraulic reclining chairs, and others.
No. Commercial property insurance only covers the equipment and other valuables owned by your salon. The belongings of booth renters in your salon aren’t covered. Nonetheless, you may solve this gap by purchasing an endorsement.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $340,000 | $25,000/$500,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes |
A business owner’s policy is a very unique inclusion in hair and beauty salon insurance programs. This combines general liability and commercial property insurance into one coverage.
That said, you can use a business owner’s policy to simultaneously cover commercial losses and liabilities for bodily injuries, property damage, slander, and copyright infringement. Use the table above to see which insurance company offers the best business owner’s policy for hair salons.
| NEXT | Thimble | Hiscox | |
|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
A tools and equipment policy is another type of insurance for hair salon that covers the hair clippers, dryers, and other implements. This grants a $3,000-$25,000 reimbursement for financial losses in case your hair salon’s equipment got damaged or lost due to theft, fire, vandalism, mechanical breakdown, operator error, and other covered perils. Use the table above to see which insurance company offers the best tools and equipment insurance for hair salon.
You can add a commercial auto policy to your hair salon insurance package. This is useful if your hair salon uses a vehicle to haul supplies or fetch employees. You can also leverage commercial auto insurance if you’re a mobile hair salon owner.
Compared to other insurance policies, commercial auto insurance doesn’t work straightforwardly. It’s because numerous functions are packed into it. Here’s a quick summary of what commercial auto insurance can do:
Pay the medical treatment of victims if you cause a vehicular accident
Get your commercial vehicle’s parts repaired or replaced in case of damage caused by theft, vandalism, weather, fire, lightning, and other covered perils
Cover your medical treatment if you get involved in an accident caused by an uninsured/underinsured driver
Cyber liability insurance will help if your hair salon’s POS, computer, or any other electronic device gets breached and the credit card information, phone numbers, emails of clients are then used for malicious purposes. With this insurance, you can cover the costs for:
Data breach containment
Recovery of lost data
Credit and fraud monitoring
Public relations
Legal defense
Cyber extortion
Your insurance doesn’t cover booth renters. It’s important that you demand coverage from them to be safe. Your booth renters can go for a hair salon booth rental insurance package. This costs $33 per month or $396 per year. Policies included are general liability, professional liability, and commercial property insurance, which allow you to be named as an additional insured.
The most appropriate insurance package is home hair salon insurance. This takes care of the unique risks if you operate your hair salon business at a designated space in your humble abode. You can use this insurance if a customer is bitten by a pet.
Coverage also applies if a customer experiences an accident while doing something at your home. And say, if your house gets destroyed or damaged by a covered peril, then home hair salon insurance can cover the costs for reconstruction or renovation.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $47 | $564 | $0-$500 |
| Professional liability insurance | $75 | $900 | $500-$1,000 |
| Commercial property insurance | $85 | $1,020 | $1,000-$2,000 |
| Business owner's policy | $112 | $1,344 | $1,500 |
| Commercial auto insurance | $52 | $624 | $500-$1,000 |
| Workers compensation insurance | $107 | $1,284 | $1,000-$2,500 |
| Cyber liability insurance | $88 | $1,056 | $1,000 |
The average hair salon insurance cost is $47 per month or $564 per year for a $1 million general liability policy. Insurance companies determine premiums based on these factors:
Policy limits
Deductibles
Types of insurance purchased
Business history
Claims history
Annual revenues
Number of employees
Location
In connection, here’s a table showing the rate of a $1 million general liability policy from carriers that offer cheap hair salon insurance quotes:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $11 | $132 | Best overall; Fastest general liability insurance for hair salons |
| CoverWallet | $15 | $180 | Comparing hair salon insurance quotes online |
| Tivly | $18 | $216 | Comparing hair salon insurance quotes over the phone |
| Thimble | $20 | $240 | On-demand coverage for hair salons |
| Hiscox | $23.00 | $276.00 | Hair salon insurance with automatic renewal |
| Simpy Business | $26 | $312 | Getting a certificate of insurance online or through email |
Get all the best quotes from leading providers in a click of a button!
The majority of insurance companies offer comprehensive coverage for hair salons. Nonetheless, we recommend you narrow the choices down to carriers that give a quote online or have responsive customer service. Here are the best hair salon insurance companies. Read some of the reviews below to know their pros, cons, and rate for a $1 million general liability policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for hair salons
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
Work with NEXT if you’re looking for an insurance company that grants quick coverage and issues a certificate of insurance instantly. This insurance company streamlines the insurance process by selling pre-made insurance bundles that cater to your needs.
Though NEXT doesn’t have a hair salon insurance package, this company can still protect you through its hair stylist insurance program. You can avail this as a basic, deluxe, or premiere plan. Here’s a quick look at the policies available and their limits.
$1 million-$2 million general liability insurance
$1 million-$2 million professional liability insurance
$340,000 commercial property insurance
Workers compensation insurance
Commercial auto insurance
Best for: Best overall; Fastest general liability insurance for hair salons
Average cost: $11 per month
Our rating: 10/10
Compare hair salon insurance quotes over the phone
Easy online policy management
Cancel your coverage anytime
Terrorism coverage is available
Not an insurance company but an insurance broker
You can make the most of your budget by comparing quotes. And nothing can beat the experience of doing this online. CoverWallet is an insurance broker that allows you to do so. Use its online platform and you can compare beauty and hair salon insurance quotes with a simple tap. Policies you may avail from this company are:
$1 million-$2 million general liability insurance
$1 million professional liability insurance
$50,000 commercial property insurance
Workers compensation insurance
Business owner’s policy
Commercial auto insurance
Best for: Comparing hair salon insurance quotes online
Average cost: $15 per month
Our rating: 10/10
Responsive customer service
Compare quotes over the phone
A partner of many reputable insurance companies
Can provide coverage regardless of how poor your business profile is
You need to call to get a quote
Tivly is a good option if you want to compare quotes with the help of an experienced representative. This company can take you to carriers that sell a hair salon insurance package, which offers a general liability policy, commercial property insurance, business owner’s policy, workers compensation insurance, and others. To get quotes and compare them over the phone, you need to call a Tivly representative.
Best for: Comparing hair salon insurance quotes over the phone
Average cost: $18 per month
Our rating: 9/10
On-demand coverage for hair salons
Quick to issue an estimate of your rates
Issues an online proof of insurance
You can purchase general liability insurance as a short-term coverage
You can’t reach customer service by calling
Go for Thimble if you need spur-of-the-moment coverage. This insurance company’s hair salon insurance is underwritten to meet your needs at any given time. But note that your coverage options aren’t very promising because Thimble only offers general liability insurance, business owner’s policy and workers compensation insurance.
To compensate for this, Thimble allows you to include optional policies to its business owner’s policy and general liability policy. Particularly, these are tools and equipment insurance, cyber liability insurance, and hired/non-owned auto liability coverage.
Best for: On-demand coverage for hair salons
Average cost: $20 per month
Our rating: 9/10
Tools and equipment insurance can be added to general liability insurance as an upgrade
Professional liability and general liability insurance can have a waiver of subrogation
Worldwide coverage
Automatic policy renewal
Get a quote online or through an agent
Online quotation not available sometimes because Hiscox’s website undergoes a periodic maintenance
Consider working with Hiscox if you’re looking for an insurance company with a considerable amount of experience and a proven portfolio. This company’s hair salon insurance program offers general liability insurance, business owner’s policy, and cyber liability insurance. You can also purchase workers compensation and commercial auto insurance, but this will come from partners.
Best for: Hair salon insurance with automatic renewal
Average cost: $23 per month
Our rating: 9/10
Online quotes
Quickly responds to queries
Provides assistance when it’s time for you to claim a policy
You can get your certificate insurance immediately online or as an email
Online quotation tool isn’t very user-friendly
Simply Business is also an insurance broker. Your hair salon insurance package from this company offers general liability insurance, commercial property insurance, workers compensation insurance, and cyber liability insurance. Similar to the company’s above except Tivly, Simply Business issues an online quote.
Best for: Getting a certificate of insurance online or through email
Average cost: $26 per month
Our rating: 9/10
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!
It really can't get any better than this... wow
Very good experience
Terrific experience with their construction business insurance! 10/10! Thank you!
Not all those who wander are lost.
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