Hair styling or hairdressing is more intricate than it looks. A professional or freelance hair stylist pays attention to a hair’s measurement, form, and health to improve their customer’s beauty. That said, hair stylists must meet demands in order to build a stable pool of customers and grow their business into a hair salon.
Professional and freelance hairdressing isn’t easy. And making the job of hair stylists much more complicated are exposures. A client can fall from the reclining barber’s chair during a grooming session. Customers might get harmed by cosmetic and hair care products. And in case a hairstylist does microblading, the possibility of infections can’t be reduced to zero no matter how meticulously equipment is disinfected.
Hair stylist insurance can help if the things that keep you awake at night happen. Read this guide to know what policies you can avail, the cost of premiums, and which insurance companies provide expansive protection.
Coverage isn’t a requirement when working as a hairdresser. Nonetheless, a lot of perks come with having hairstylist insurance. Get covered and you will:
Work with more confidence-Insurance gives you a sense of relief. And when you’re relieved you work with more confidence. In return, confidence brings out good output, which many clients are looking for
Protect your reserves-Claims are costly. Insurance grants the money to cover these without straining your bank accounts. Therefore, by getting insured, you protect investments which should be rightfully used for growing your business
Secure more work-Clients will only work with an insured hairdresser. This is why they’ll ask you to show proof of insurance. And to get proof of insurance, you must purchase a policy from a commercial insurance company. When you’re insured and can prove it, clients will be likely to choose your services over others
Insurance companies offer hair stylist liability insurance as a general liability policy and professional liability policy. It’s essential to have both of these if you want to enjoy foolproof protection against lawsuits that customers will file. Proceed below to know how these work:
| CoverWallet | NEXT (Best) | Thimble | Hiscox | Simply Business | Beauty Insurance Plus | |
|---|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $2,000,000 | $3,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $2,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | Excluded |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | Can be included | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included | Excluded |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included | Yes |
When you buy a hairdresser insurance package, insurance companies will first offer general liability insurance before anything else. It’s because this can cover all of the exposures you face everyday.
General liability insurance will grant protection if a customer or any other third party holds you liable for bodily injuries, property damage, slander, libel, and copyright infringement. Use the table above to see which insurance company offers this type of hairdressers insurance best.
General liability insurance helps you by providing a $1 million-$2 million worth of coverage for the medical treatment, reimbursement for property damage, legal defense, and court judgments if a customer, visitor, independent contractor, or other third parties file a claim.
These are some of the most common setbacks in hairstyling that general liability insurance can account for:
As a booth renter, you caused some damage to the landlord’s salon
You accidentally cut the client’s ear while trimming her hair
You spilled some cosmetic products on the client’s eye during a facial session
The client slipped and fell while entering or exiting the salon where you’re working at
You stepped on the client’s foot and broke her nails
Yes. The general liability policy for hairdressers in salons covers mobile or in-home hairdressing work. Nonetheless, it’s also possible for the activity to be excluded. We suggest that you buy general liability insurance for mobile hairdressers to avoid problems. This has a $1 million-$2 million limit and an optional hired/non-owned auto liability coverage can be added.
A short-term general liability policy is a good option if you’re looking for hair stylist independent contractor insurance. It’s because you can decide to only get insured for hours, weeks, or days. This is a good option if you rent a booth or work at salons on a casual basis. Short-term general liability insurance has a $1 million-$2 million per occurrence and aggregate limit. Companies that sell this independent hair stylist insurance are Hiscox and Thimble.
| CoverWallet (Best) | NEXT | Thimble | Hiscox | Beauty Insurance Plus | Simply Business | |
|---|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $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 | $3,000,000 | $1,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | No | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 | $50/$10,000 |
To some lesser or greater degree, the client’s welfare is in your hands during a hair styling session. This is why it’s your duty to observe the highest level of honesty, attention, and care while providing a service.
Clients can hold you liable if you don’t dispense your duties well. Purchase professional liability insurance for hairdressers to protect yourself. This is also called malpractice insurance, errors and omissions insurance, and professional indemnity insurance. Use the table above to see which insurance company has the most comprehensive professional liability insurance for hairstylist.
Malpractice insurance for hairstylist will kick in if a client files a claim and demands monetary compensation because you:
Failed to follow instructions and gave the wrong hairdo
Showed negligence and recklessness during a hair styling session. Because of this, the client sustained cuts
Failed to employ the proper care that other hair stylists would have observed in their full capacity
Breached a contract and failed to deliver a service as promised after getting hired as a hairstylist of a wedding, graduation, or any other event
Misrepresented experience and portfolio
Poorly maintained hairstyling equipment, such as shears, razors, and hair clippers can inflict a bloodborne disease to a client. So can professional indemnity insurance for hairdressers help with this? In most cases, coverage can’t apply. Professional liability insurance excludes the transmission of a disease due to negligence or errors.
Yes. Professional liability insurance isn’t only for employed and independent hair stylists who have experience. This is also for students. As a student, you can get professional liability insurance from trainee hairdresser insurance packages. The professional liability insurance for hairdressing trainees has a $1 million per occurrence limit.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $250,000 | $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 |
Insurance companies will offer a commercial property policy in their hair dressers insurance package if you own a salon. By having this insurance, you ensure the survival of your business in case its property gets damaged or lost. Use the table above to see which insurance company offers this hairdressing salon insurance best.
Commercial property insurance helps by reimbursing the money that you lost after the hairdressing salon and its equipment got damaged because of fire, theft, vandalism, riot, civil commotion, sprinkler leakage, lightning, volcanic action, sinkhole collapse, impact, falling objects, aircraft, and other covered perils.
Commercial property insurance commonly protects shears, clippers, carts, computers, hair dryers, curling irons, diffusers, hard hat dryers, roller hair setters, and others. Remember that the coverage of this hairdressing business insurance only applies if such tools got damaged or lost while on the premises of the salon.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $250,000 | $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 combines general liability insurance and commercial property insurance. This hair stylist business insurance will be offered if you have a growing business profile.
Buy a business owner’s policy and you’ll enjoy a 5%-10% discount in premiums. Moreover, this is scalable as you can add optional policies. Finally, a business owner’s policy is easy to manage. Use the table above to see which insurance company offers the best business owner’s policy.
| NEXT | Thimble | Hiscox | Beauty Insurance Plus | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $1,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | No |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | No |
| Deductible | $500 | $500 | $0 | $500 |
A tools and equipment policy is a type of hairdressing insurance that only covers the implements you use when working with people’s hair. This is available as an add-on to general liability insurance.
Tools and equipment insurance will reimburse your losses if shears, clippers, and other hairstyling equipment got damaged or lost due to fire, theft, vandalism, operator error, mechanical breakdown, and other covered perils. Use the table above to see which insurance company offers the best tools and equipment insurance.
Some insurance companies allow their tools and equipment insurance to cover borrowed or rented hair styling equipment. Others are less generous and only allow the policy to cover tools you own. That said, it all depends on which insurance company you decide to work with.
Purchase cyber liability insurance if you own a website where clients can book services and purchase products. In case of a data breach, this insurance will cover the cost of containment, data recovery, credit and fraud monitoring, legal defense, and public relations expenses. Some insurance companies allow you to avail cyber liability insurance as an add-on to general liability insurance.
Workers' compensation insurance is usually bought as coverage for employees. Nonetheless, you can purchase This insurance for yourself. Workers' compensation insurance can work in tandem with health insurance. In case you get injured at work, workers' compensation insurance will pay for emergency care, hospitalization, medication, rehabilitation and retraining, lost wages, and death benefits.
A mobile hair stylist insurance package provides the best protection If you don’t work at a salon but visit the client’s place to provide services. This offers general liability insurance, professional liability insurance, commercial auto insurance, and inland marine insurance.
The general liability insurance for mobile hair stylists covers accidents that occur in a client’s house. This comes with a customer property endorsement that will allow you to reimburse the client in case you damaged the client’s furniture and other household belongings while working.
Professional liability insurance for mobile hair stylists also covers claims for negligence, misrepresentation, and other covered perils.
Commercial auto insurance is a coverage for the vehicle you use to reach a client’s place. This mobile hairdresser insurance policy helps cover exposures that might happen while driving, such as:
Vehicular accidents you might cause
Vehicular accidents caused by uninsured/underinsured driver wherein you might get involved
Vehicular damage caused by theft, vandalism, falling objects, or weather
The final inclusion, inland marine insurance, protects your hairstyling equipment during the travel. In case your implements got stolen, damaged, or lost because of a vehicular accident, a theft that occurred while your car is parked, or mysterious disappearance while you’re in the client’s place; this insurance will reimburse the resulting financial losses.
Hairdressers can now work in the comfort of their private space. They make this possible by transforming a garage or an unused space of the house into a mini-salon. How do you protect yourself if you’re in this venture?
A home-based business coverage can be used as home hairdressing insurance. Examples of policies you can avail are general liability, commercial property, and tools and equipment. Premiums cost $25 per month or $300 per year for a $1 million general liability policy.
A salon chair & booth renter package is the best insurance for hairdressers renting a chair. Common inclusions are tools and equipment, general liability, and professional liability insurance. Insurance companies tailor limits to automatically meet the requirements of landlords. Premiums cost $33 per month or $396 per year for a $1 million general liability policy.
People without any hairdressing experience can provide hair extension services. The problem is, when it comes to insurance, companies usually require hair extension technicians to have a minimum level of hairdressing portfolio to qualify.
The hair insurance program from ABT is a good option if you’re looking for a hair extension technician insurance program. This offers a general liability and professional liability policy with a $6 million limit.
Another method for getting hair extension insurance for non hairdressers is to qualify for beauty, esthetician, and cosmetologist insurance programs.
No insurance company offers a mobile hair extension insurance program as door-to-door hair extension services are always covered in hairdressing insurance bundles. But since you’re not a hairdresser, you can try going for a mobile salon insurance package to get covered.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $48 | $576 | $0-$500 |
| Professional liability insurance | $80 | $960 | $500-$1,000 |
| Commercial property insurance | $100 | $1,200 | $1,000-$2,000 |
| Business owner's policy | $140 | $1,680 | $1,500 |
| Commercial auto insurance | $55 | $660 | $500-$1,000 |
| Workers compensation insurance | $85 | $1,020 | $1,000-$2,500 |
| Cyber liability insurance | $73 | $876 | $1,000 |
The average hairdresser liability insurance cost is $48 per month or $576 per year for a $1 million general liability insurance. We considered the following factors for this hair stylist insurance cost estimate:
Location
Business history
Number of employees
Claims history
Deductibles
Policy limits
In connection, here’s another table showing the rate of a $1 million general liability insurance from companies where you can get cheap hairdressing insurance quotes:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $8 | $96 | Best overall; Fastest general liability insurance for hairstylists |
| CoverWallet | $12 | $144 | Hair stylist insurance online quotes comparison |
| Tivly | $15 | $180 | Comparing hairstylist insurance quotes over the phone |
| Thimble | $18 | $216 | On-demand hair stylist insurance |
| Hiscox | $21 | $252 | Hairstylist insurance with automatic renewal |
| AXA | $25 | $300 | Reinsurance services for hairstylists |
We suggest you compare employed and self employed hairdresser insurance quotes to find the best coverage. Start by clicking on the “Get Quotes’ button on this page.
Mobile hairdressing is riskier since you’re constantly moving from place to place. Work conditions are also never the same. And so, mobile hairdressing insurance prices can be more expensive. Monthly premiums, on average, are $40 per month or $480 per year. The table below shows the cost of a $1 million general liability insurance from companies where you can get mobile hairdresser insurance quotes:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| Simply Business | $29 | $348 | General liability insurance for mobile hairdressers |
| Beauty Insurance Plus | $33 | $396 | Professional liability insurance for mobile hairdressers |
Compare mobile hairdresser insurance to get the best coverage at the most reasonable price. Start by clicking the “Get Quotes” button on this page.
Get all the best quotes from leading providers in a click of a button!
A lot of insurance companies claim to grant comprehensive coverage. Nonetheless, know that the best insurance for hairdressers is only offered by those who give a quote online, have responsive customer service, allow you to compare offers, or give a discount. Here are the best hair stylist 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 stylists
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
NEXT is an insurance company that allows you to get covered within minutes. Online quotes are offered and you can purchase insurance without the help of an agent. Moreover, you’ll get policy bundle discounts and commercial property policy discounts. NEXT’s hair stylist insurance offers the following:
$1 million-$2 million general liability insurance
$1 million-$2 million professional liability insurance
$250,000 commercial property insurance
Workers compensation insurance
Tools and equipment insurance
Best for: Best overall; Fastest general liability insurance for hairstylists
Average cost: $8 per month
Our rating: 10/10
Compare hair stylist insurance quotes online
Easy online policy management
Cancel a coverage anytime
Accurate rates are reflected in your quote
Not an insurance company but an insurance broker
CoverWallet is an insurance broker. This company’s online platform allows you to compare the quotes of reputable insurance companies and buy a chosen coverage online. CoverWallet’s hair stylist insurance package allows you to avail a:
$1 million-$2 million general liability insurance
$1 million professional liability insurance
Business owner’s policy
Commercial property insurance
Commercial auto insurance
Business owner’s policy
This company’s general liability insurance can have an optional hired/non-owned auto liability coverage. Moreover, a waiver of subrogation can be added to either general liability or professional liability insurance.
Best for: Hair stylist insurance online quotes comparison
Average cost: $12 per month
Our rating: 10/10
Grants coverage regardless if your business profile is good or bad
A partner of many reputable insurance companies
Compare hairstylist insurance quotes over the phone
Responsive customer service
You need to call to get a quote
Similar to CoverWallet, Tivly simplifies the insurance process on your behalf. It works with reputable insurance companies to give you the right coverage options. Tivly’s hairstylist insurance package offers general liability, professional liability, commercial property, and business owner’s policy. You need to call a representative to know policy limits and compare quotes over the phone.
Best for: Comparing hairstylist insurance quotes over the phone
Average cost: $15 per month
Our rating: 10/10
On-demand coverage
Quickly issues an estimate of your rates
Numerous add-ons available from general liability and business owner’s policy
General liability insurance is available as a short-term coverage
Not an insurance company but an insurance broker
Thimble specializes in on-demand coverage. This means that this company doesn’t ask a lot of questions when you’re purchasing insurance and quickly issues an estimate of your annual or monthly premiums. Thimble’s hairstylist insurance program offers:
$1 million-$2 million general liability insurance (optional business equipment coverage, customer property coverage, and cyber liability coverage can be included)
$1 million-$2 million professional liability insurance
Business owner’s policy (optional non-owned/hired auto liability coverage and cyber liability coverage can be added)
Workers compensation insurance
Best for: On-demand hair stylist insurance
Average cost: $18 per month
Our rating: 9/10
Worldwide coverage
Numerous upgrades to general liability and professional liability insurance
Easy to customize limits
Automatic policy renewal
Not a BBB accredited company
Hiscox is one of the best choices if you want to work with a carrier that has a lot of experience and a proven portfolio. This company covers hair stylists in the UK and USA. Hiscox’s hair stylist insurance program offers a:
$300,000 million-$2 million general liability insurance (optional hired/non-owned auto liability coverage, equipment coverage, and waiver of subrogation can be added)
$1 million professional liability insurance (optional primary and noncontributory coverage as well as waiver of subrogation can be added)
$250,000 cyber liability insurance
Best for: Hairstylist insurance with automatic renewal
Average cost: $21 per month
Our rating: 10/10
Proven expertise
Offers risk consulting services
Offers insurance resources
Excellent reinsurance services
You have to file an online request to get a quote
AXA serves about 105 million clients in 54 countries. Similar to Hiscox, this is a good option if you’re looking for an experienced insurance company. This company’s hair stylist insurance package offers general liability insurance, professional liability insurance, commercial property insurance, and other business insurance solutions. You’ll need to file an online request to get a quote.
Best for: Reinsurance services for hairstylists
Average cost: $25 per month
Our rating: 8/10
Online quotes
You can also call to get quotes
Numerous coverage options
Get your certificate of insurance online or have it emailed
Online insurance application tool asks a lot of questions
Approach Simply Business if you’re a mobile hairdresser. This company offers the quotes of its partners such as CNA, Travelers, Hiscox, RLI, biBerk, and others. Policies that you can avail with the help of Simply Business are as follows:
$1 million-$2 million general liability insurance
$1 million-$2 million professional liability insurance
Cyber liability insurance
Workers compensation insurance
Best for: General liability insurance for mobile hairdressers
Average cost: $29 per month
Our rating: 8/10
Highly familiar with the risks that beauty professionals face
Will tailor premiums according to your expertise as a mobile hairdresser
HIPAA coverage and sexual abuse coverage are included in professional liability insurance
Might not offer commercial auto insurance
Beauty Insurance Plus only covers hairdressers, beauticians, and other professionals in the beauty industry. This company is our second recommendation for mobile hairdresser insurance. Your general liability from this company automatically comes with stolen equipment coverage. On the other hand, professional liability insurance comes with HIPAA coverage and sexual abuse/molestation coverage.
Best for: Professional liability insurance for mobile hairdressers
Average cost: $33 per month
Our rating: 8/10
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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