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Hair Salon Insurance: Cost & Quotes From $11/mo

Table of contents
1. Hair Salon Liability Insurance2. General Liability Insurance for Hair Salons2.1. What Are Some Example Situations Where General Liability Insurance Can Cover Your Hair Salon’s Back?2.2. What Costs Does General Liability Insurance Cover?2.3. My Hair Salon is Selling Cosmetics and Beauty Products. Can General Liability Insurance Help if a Customer Experiences Harm Because of These?3. Professional Liability Insurance for Hair Salons3.1. What Exposures Can Your Hair Salon Cover By Having Professional Liability Insurance?3.2. My Hair Salon is Being Sued for Discrimination After an Employee Refused to Service a Customer Whose Hair is in a Terrible Condition. Will the Coverage of Professional Liability Insurance Apply?3.3. Can Professional Liability Insurance Defend the License of My Hair Salon’s Hairdressers?4. Commercial Property Insurance for Hair Salons 4.1. How Does Commercial Property Insurance Help Your Hair Salon?4.2. What Hair Salon Equipment Are Usually Insured Under Commercial Property Insurance?4.3. Does Commercial Property Insurance Cover the Equipment of Your Salon Booth Renters?5. Business Owner’s Policy for Hair Salons 6. Tools and Equipment Insurance for Hair Salons 7. Commercial Auto Insurance for Hair Salons8. Cyber Liability Insurance for Hair Salons 9. How Can the Booth Renters of My Hair Salon Insure Themselves?10. Do I Need to Find Another Insurance Package if I’m a Home-Based Hair Salon Business?11. Hair Salon Insurance Cost12. Best Hair Salon Insurance Companies 12.1. NEXT Hair Salon Insurance 12.1.1. Pros12.1.2. Cons12.2. CoverWallet Hair Salon Insurance 12.2.1. Pros12.2.2. Cons12.3. Tivly Hair Salon Insurance 12.3.1. Pros12.3.2. Cons12.4. Thimble Hair Salon Insurance 12.4.1. Pros12.4.2. Cons12.5. Hiscox Hair Salon Insurance 12.5.1. Pros12.5.2. Cons12.6. Simply Business Hair Salon Insurance 12.6.1. Pros12.6.2. Cons

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.

Hair Salon Liability Insurance

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.


General Liability Insurance for Hair Salons


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?YesNoIncludedCan be included
Hired/non-owned auto liability coverage included?YesNoExcludedCan be included
Equipment breakdown floater included?No YesYesCan 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. 


What Are Some Example Situations Where General Liability Insurance Can Cover Your Hair Salon’s Back?

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


What Costs Does General Liability Insurance Cover?

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. 


My Hair Salon is Selling Cosmetics and Beauty Products. Can General Liability Insurance Help if a Customer Experiences Harm Because of These?

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. 


Professional Liability Insurance for Hair Salons


CoverWallet (Best)NEXT Thimble HiscoxSimply 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedCan 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. 

What Exposures Can Your Hair Salon Cover By Having Professional Liability Insurance?

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 


My Hair Salon is Being Sued for Discrimination After an Employee Refused to Service a Customer Whose Hair is in a Terrible Condition. Will the Coverage of Professional Liability Insurance Apply?

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. 


Can Professional Liability Insurance Defend the License of My Hair Salon’s Hairdressers?

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. 

Compare Cheap Hair Salon Insurance Quotes Online

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Commercial Property Insurance for Hair Salons 


CoverWalletNEXT (Best)ThimbleHiscox
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 signsExcluded$2,500ExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keys Excluded$2,500ExcludedIncluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Excluded


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. 


How Does Commercial Property Insurance Help Your Hair Salon?

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. 


What Hair Salon Equipment Are Usually Insured Under Commercial Property Insurance?

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. 


Does Commercial Property Insurance Cover the Equipment of Your Salon Booth Renters?

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.


Business Owner’s Policy for Hair Salons 


CoverWalletNEXT (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?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


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. 


Tools and Equipment Insurance for Hair Salons 


NEXT ThimbleHiscox
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/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoYes
Offered as an endorsement to general liability insurance?YesYesYes
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. 


Commercial Auto Insurance for Hair Salons

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 for Hair Salons 

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


How Can the Booth Renters of My Hair Salon Insure Themselves?

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. 


Do I Need to Find Another Insurance Package if I’m a Home-Based Hair Salon Business?

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. 

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Hair Salon Insurance Cost


Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$11$132Best overall; Fastest general liability insurance for hair salons
CoverWallet$15$180Comparing hair salon insurance quotes online
Tivly$18$216Comparing hair salon insurance quotes over the phone
Thimble$20$240On-demand coverage for hair salons
Hiscox$23.00$276.00Hair salon insurance with automatic renewal
Simpy Business$26$312Getting a certificate of insurance online or through email

Compare Cheap Hair Salon Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Hair Salon Insurance Companies 

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. 


NEXT Hair Salon Insurance

Pros

  • 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 

Cons

  • 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



CoverWallet Hair Salon Insurance

Pros

  • Compare hair salon insurance quotes over the phone

  • Easy online policy management

  • Cancel your coverage anytime

  • Terrorism coverage is available

Cons

  • 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


Tivly Hair Salon Insurance

Pros

  • 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 

Cons

  • 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


Thimble Hair Salon Insurance

Pros

  • 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

Cons

  • 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


Hiscox Hair Salon Insurance

Pros

  • 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

Cons

  • 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


Simply Business Hair Salon Insurance

Pros

  • 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 

Cons

  • 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


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