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Hair Stylist & Hairdressing Insurance: Cost & Quotes From $11/mo

Table of contents
1. Do Hairdressers Need Insurance?2. Hair Stylist Liability Insurance3. General Liability Insurance for Hair Stylists 3.1. How Does General Liability Insurance Help Your Business?3.2. In What Situations Can You Use General Liability Insurance?3.3. Does the General Liability Policy for Hairdressers in Salons Cover Mobile Activities?4. Short-Term General Liability Insurance for Hairstylists5. Professional liability Insurance for Hairstylist5.1. In What Situations Can You Use Professional Liability Insurance as a Hairstylist?5.2. Does Professional Liability Insurance Cover Your Liability for the Transmission of a Bloodborne Disease to a Client?5.3. Is There a Professional Liability Policy Underwritten for Hairstyling Students?6. Commercial Property Insurance for Hairdressing Salons6.1. How Does Commercial Property Insurance Help?6.2. Which Hairdressing Tools Are Commonly Covered by Commercial Property Insurance?7. Business Owner’s Policy for Hair Stylists 8. Tools and Equipment Insurance for Hairstylists8.1. Are Rented or Borrowed Hair Styling Equipment Also Covered?9. Cyber Liability Insurance for Hair Stylists10. Workers Compensation Insurance for Hair Stylists 11. Mobile Hair Stylist Insurance 12. Home Hairdressing Insurance13. Insurance for Hairdressers Renting a Chair 14. Hair Extension Insurance for Non Hairdressers15. Hair Stylist Insurance Cost 15.1. Mobile Hairdressing Insurance Cost 16. Best Hair Stylist Insurance Companies 16.1. NEXT Hairstylist Insurance 16.1.1. Pros16.1.2. Cons16.2. CoverWallet Hair Stylist Insurance 16.2.1. Pros16.2.2. Cons16.3. Tivly Hairstylist Insurance  16.3.1. Pros16.3.2. Cons16.4. Thimble Hair Stylist Insurance  16.4.1. Pros16.4.2. Cons16.5. Hiscox Hair Stylist Insurance 16.5.1. Pros16.5.2. Cons16.6. AXA Hairdressing Insurance 16.6.1. Pros16.6.2. Cons16.7. Simply Business Hairdresser Insurance 16.7.1. Pros16.7.2. Cons16.8. Beauty Insurance Plus Hair Stylist Insurance 16.8.1. Pros16.8.2. Cons

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.

Do Hairdressers Need Insurance?

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


Hair Stylist Liability Insurance

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:


General Liability Insurance for Hair Stylists 


CoverWallet NEXT (Best)Thimble HiscoxSimply BusinessBeauty 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$1,000,000Excluded
Tenant’s legal liability coverage limit $100,000
$100,000$5,000$100,000$100,000$100,000
Waiver of subrogation included?YesNoIncludedCan be includedCan be includedExcluded
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be includedExcluded
Equipment breakdown floater included?No YesYesCan be includedCan be includedYes


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. 


How Does General Liability Insurance Help Your Business?

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. 


In What Situations Can You Use General Liability Insurance?

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


Does the General Liability Policy for Hairdressers in Salons Cover Mobile Activities?

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. 


Short-Term General Liability Insurance for Hairstylists

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. 


Professional liability Insurance for Hairstylist


CoverWallet (Best)NEXT Thimble HiscoxBeauty Insurance PlusSimply 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?YesYesYesYesNoYes
Waiver of subrogation included?YesNoYesCan be includedNoCan 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. 


In What Situations Can You Use Professional Liability Insurance as a 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


Does Professional Liability Insurance Cover Your Liability for the Transmission of a Bloodborne Disease to a Client?

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. 


Is There a Professional Liability Policy Underwritten for Hairstyling Students?

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. 


Commercial Property Insurance for Hairdressing Salons


CoverWalletNEXT (Best)ThimbleHiscox
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 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


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.  


How Does Commercial Property Insurance Help?

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. 


Which Hairdressing Tools Are Commonly Covered by Commercial Property Insurance?

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. 

Compare Cheap Hair Stylist Insurance Quotes Online

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Business Owner’s Policy for Hair Stylists 


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


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. 


Tools and Equipment Insurance for Hairstylists


NEXT ThimbleHiscoxBeauty 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/$5,000NoNo
Miscellaneous equipment also covered?$5,000/$10,000NoYesNo
Offered as an endorsement to general liability insurance?YesYesYesNo
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. 


Are Rented or Borrowed Hair Styling Equipment Also Covered?

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. 


Cyber Liability Insurance for Hair Stylists

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 for Hair Stylists 

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. 


Mobile Hair Stylist Insurance 

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. 


Home Hairdressing Insurance

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. 


Insurance for Hairdressers Renting a Chair 

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. 


Hair Extension Insurance for Non Hairdressers

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. 

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Hair Stylist Insurance Cost 


Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$8$96Best overall; Fastest general liability insurance for hairstylists
CoverWallet$12$144Hair stylist insurance online quotes comparison
Tivly$15$180Comparing hairstylist insurance quotes over the phone
Thimble$18$216On-demand hair stylist insurance
Hiscox$21$252Hairstylist insurance with automatic renewal
AXA$25$300Reinsurance 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 Insurance Cost 

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 MonthCost per YearBest for
Simply Business$29$348General liability insurance for mobile hairdressers
Beauty Insurance Plus$33$396Professional 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. 


Compare Cheap Hair Stylist Insurance Quotes Online

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

Best Hair Stylist Insurance Companies 

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. 


NEXT Hairstylist Insurance

Pros

  • 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 

Cons

  • 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


CoverWallet Hair Stylist Insurance

Pros

  • Compare hair stylist insurance quotes online

  • Easy online policy management 

  • Cancel a coverage anytime

  • Accurate rates are reflected in your quote

Cons

  • 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


Tivly Hairstylist Insurance 

Pros

  • 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

Cons

  • 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


Thimble Hair Stylist Insurance 

Pros

  • 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

Cons

  • 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


Hiscox Hair Stylist Insurance 

Pros

  • Worldwide coverage

  • Numerous upgrades to general liability and professional liability insurance

  • Easy to customize limits

  • Automatic policy renewal 

Cons

  • 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


AXA Hairdressing Insurance

Pros

  • Proven expertise

  • Offers risk consulting services

  • Offers insurance resources

  • Excellent reinsurance services

Cons

  • 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


Simply Business Hairdresser Insurance

Pros

  • Online quotes

  • You can also call to get quotes 

  • Numerous coverage options

  • Get your certificate of insurance online or have it emailed 

Cons

  • 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


Beauty Insurance Plus Hair Stylist Insurance

Pros

  • 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

Cons

  • 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


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