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:
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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
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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
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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 | 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.
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:
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As a booth renter, you caused some damage to the landlord’s salon
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You accidentally cut the client’s ear while trimming her hair
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You spilled some cosmetic products on the client’s eye during a facial session
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The client slipped and fell while entering or exiting the salon where you’re working at
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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 | 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.
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:
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Failed to follow instructions and gave the wrong hairdo
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Showed negligence and recklessness during a hair styling session. Because of this, the client sustained cuts
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Failed to employ the proper care that other hair stylists would have observed in their full capacity
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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
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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
| 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.
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.
Get all the best quotes from leading providers in a click of a button!
Business Owner’s Policy for Hair Stylists
| 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.
Tools and Equipment Insurance for Hairstylists
| 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.
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:
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Vehicular accidents you might cause
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Vehicular accidents caused by uninsured/underinsured driver wherein you might get involved
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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.
Help others make better decisions
Hair Stylist Insurance Cost
| 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:
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Location
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Business history
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Number of employees
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Claims history
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Deductibles
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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 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 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!
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
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Best overall
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Issues an online proof of insurance instantly
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Fastest general liability insurance for hair stylists
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Great customer service and reputation
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Excellent rates
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Outstanding value for money
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Get a 10% discount if you buy two or more policies
Cons
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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:
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$1 million-$2 million general liability insurance
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$1 million-$2 million professional liability insurance
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$250,000 commercial property insurance
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Workers compensation insurance
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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
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Compare hair stylist insurance quotes online
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Easy online policy management
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Cancel a coverage anytime
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Accurate rates are reflected in your quote
Cons
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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:
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$1 million-$2 million general liability insurance
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$1 million professional liability insurance
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Business owner’s policy
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Commercial property insurance
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Commercial auto insurance
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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
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Grants coverage regardless if your business profile is good or bad
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A partner of many reputable insurance companies
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Compare hairstylist insurance quotes over the phone
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Responsive customer service
Cons
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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
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On-demand coverage
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Quickly issues an estimate of your rates
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Numerous add-ons available from general liability and business owner’s policy
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General liability insurance is available as a short-term coverage
Cons
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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:
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$1 million-$2 million general liability insurance (optional business equipment coverage, customer property coverage, and cyber liability coverage can be included)
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$1 million-$2 million professional liability insurance
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Business owner’s policy (optional non-owned/hired auto liability coverage and cyber liability coverage can be added)
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Workers compensation insurance
Best for: On-demand hair stylist insurance
Average cost: $18 per month
Our rating: 9/10
Hiscox Hair Stylist Insurance
Pros
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Worldwide coverage
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Numerous upgrades to general liability and professional liability insurance
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Easy to customize limits
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Automatic policy renewal
Cons
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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:
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$300,000 million-$2 million general liability insurance (optional hired/non-owned auto liability coverage, equipment coverage, and waiver of subrogation can be added)
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$1 million professional liability insurance (optional primary and noncontributory coverage as well as waiver of subrogation can be added)
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$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
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Proven expertise
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Offers risk consulting services
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Offers insurance resources
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Excellent reinsurance services
Cons
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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
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Online quotes
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You can also call to get quotes
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Numerous coverage options
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Get your certificate of insurance online or have it emailed
Cons
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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:
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$1 million-$2 million general liability insurance
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$1 million-$2 million professional liability insurance
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Cyber liability insurance
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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
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Highly familiar with the risks that beauty professionals face
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Will tailor premiums according to your expertise as a mobile hairdresser
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HIPAA coverage and sexual abuse coverage are included in professional liability insurance
Cons
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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
Hair will not stop growing, and people will always want to make it look beautiful and neat. That’s why it’s safe to say that personal care businesses will continue to thrive.
However, just like any other business, hair salons and barber shops face exposures. And so, insurance companies offer tailored barber shop insurance and hair salon insurance as protection. Our discussion will provide all you need to know about these. Know the policies included, the cost of premiums, the best insurance companies, and more.
Also read:
- Cosmetology Insurance & Cosmetologist Liability Insurance
- Spa Insurance: Liability, Best Companies & Quotes From $11
- Massage Therapist Insurance: Liability Coverage & Quotes
- Salon Insurance: Quotes Comparison & More
- Salon Chair & Booth Rental Insurance: Cost & Quotes from $7
- Beauty Therapist Insurance & Beautician Insurance Quotes From $5
Why Do Barber Shops and Hair Salons Need Insurance?
Hair salons and barbershops face a lot of risks and insurance can help reduce the resulting losses to zero. Examples of risks that threaten the income-generating ventures of hair salons and barber shops are:
Injuries to Third Parties
Barber shops and hair salons use dangerous tools that can cause serious damage in the wrong hands. Clippers, razor-sharp scissors, straight razors, hair irons, and various dyeing chemicals can all cause cuts, scrapes, burns, or result in hair loss if they’re not used properly.
Damage to Property
While providing a service, a hair salon or barber shop might cause damage to a client’s property. It’s also possible for their own physical assets to get damaged. Hair salon and barber shop business insurance will reimburse the cost of damaged property on your behalf.
Lawsuits
Someone might take legal action against your business. Tailored barber shop and hair salon insurance include policies that will pay for the attorney fees, other legal costs, and compensatory payments the court orders.
Employee Injuries
Hair salon and barber shop employees might experience work-related injuries. Tailored insurance for barber shops and hair salons include an insurance policy that will take care of injured employees on your behalf.
Get all the best quotes from leading providers in a click of a button!
Hair Salon and Barber Liability Insurance
Liability insurance is one of the most common insurance you’ll see offered in barber shop and hair salon insurance quotes. Barber and hair salon liability insurance come in different types. However, the ones offering the best first line of defense against exposures are:
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General liability insurance
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Public Liability Insurance
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Professional liability insurance
General Liability Insurance for Barber Shops and Hair Salons
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| 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 | $1,000,000 | $100,000 | $5,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 |
General liability insurance is the liability insurance policy that provides primary protection for your business against:
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Third-party personal injuries – A client suddenly twitched while an employee is cutting her hair with a razor. As a result, the razor slipped and cut the client’s ear. In this situation, general liability insurance covers the medical treatment of the injured client. It will also pay for attorney fees, and other legal costs if the client decides to take legal action
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Third-party property damage – An employee spilled dye on a client’s leather strapped watch. The leather strap is a high-end piece imported from France, it’s very expensive. The client demands your business reimburse the value of his soiled watch strap. In this situation, general liability insurance will pay the client on your behalf. It will also cover fees if legal action is taken
Use the table above to compare the quotes of general liability insurance from companies that provide comprehensive coverage for barbers and hairstylists.
Note that bodily injuries and property damage aren’t the only perils general liability insurance takes care of. General liability insurance has the following add-ons that provide more protection for your business:
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Advertising injury coverage
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Rented premises liability coverage
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Products and completed operations coverage
Someone might file a claim because a hair salon or barber shop committed advertising or reputational harm. This is a peril that advertising injury coverage protects you against. Advertising injury coverage will cover attorney fees, compensatory payments the court orders, and other legal costs if a client files a claim for:
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Slander
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Libel
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False advertising
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Copyright infringement
Are you leasing or renting a commercial space to run a hair salon or barber shop? If this is the case, rented premises liability coverage is useful. Rented premises liability coverage will kick in if fire damages the commercial space you’re renting. In practice, it will shoulder expenses on your behalf if the property owner files a claim.
Finally, products and completed operations coverage will cover personal injuries or property damage a completed service caused. This insurance will help if a past client demands compensation from your business.
Hair Salon and Barber Public Liability Insurance
Public liability insurance works the same way as general liability insurance – take care of personal injury claims and property damage claims against your business. However, compared to general liability, the protection public liability insurance provides is very limited. It’s because this can’t be added with advertising injury coverage, and other add-ons we discussed earlier.
Professional Liability Insurance for Barber Shops and Hair Salons
| CoverWallet | NEXT | Thimble (Best) | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included |
| HIPAA coverage included? | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No |
| License defense coverage included? | No | No | No | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 |
Professional liability insurance grants protection against claims for negligence, violation of good faith, violation of fair dealing, violation of confidentiality, and other issues that result from a professional service.
This insurance provides the money for settlements and legal defense expenses. Use the table above to compare the features of professional liability insurance from the recommended companies.
Other Insurance Hair Salons and Barber Shops Need
Commercial Property Insurance for Barber Shops & Hair Salons
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $18,000 | $25,000/$500,000 | $25,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded |
| 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 | Excluded |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included |
Commercial property insurance will cover the building you’re owning, renting, or leasing. It provides help in two ways:
- Reimburse your losses if the commercial building is destroyed by fire, extreme weather, and other related events
- Reimburse your losses if the commercial building is destroyed by fire, extreme weather, theft, vandalism, and other covered perils
Use the table above to compare the commercial property insurance of the recommended insurance companies.
Commercial property insurance for barber shops and hair salons has stocks and contents coverage. What this does is pay for replacements and repair of glass panes, swivel chairs, mirrors, and other valuables that got lost or damaged due to fire, theft, vandalism, and other covered perils.
Additionally, business equipment and tools coverage is also included in commercial property insurance. This will reimburse your losses if fire, theft, vandalism, and other covered perils cause the loss or damage of scissor sets, razors, shears, shampoo bowls, dryers, steamers, and other related items.
Workers’ Compensation Insurance for Hair Salons and Barber Shops
Employees working in barber shops and salons commonly experience cuts, scalding, burns, and rashes. Sometimes, they also contract hepatitis and blood-borne infections. If you employ one or more people in your barber shop and hair salon, then you’ll need to purchase workers’ compensation insurance.
Workers’ compensation insurance will help if an employee suffers from a work-related injury or disease. This type of haircut insurance will pay for treatment, rehabilitation, hospitalization, and lost income compensation. Lost income compensation will be equal to two-thirds or 67% of the average weekly wage. This means that if the employee earns $1,323 per week, compensation for lost income will be $886.41
In case of death, workers’ compensation insurance will provide death benefits to the dependents of the employee. Death benefits come in the form of payment for funeral expenses and a weekly allowance equal to 67% of the dead employee’s average weekly wage.
Employee Dishonesty Insurance
Crimes committed by an employee will surely result in financial losses. This is why insurance companies offer employee dishonesty insurance for barber shops and hair salons. Employee dishonesty insurance will cover losses if an employee or group of employees commit the following against your business.
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Social engineering
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Misappropriation
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Unauthorized use of business funds
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Destruction or theft of money and securities
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Forgery
Employer’s Liability Insurance
Your employee might sue for negligence after experiencing a work-related injury or disease, and employer’s liability insurance will take care of this. In practice, this will help by taking care of attorney fees, the amount of compensation the court ordered, and other legal costs.
An employee might also sue your hair salon and barber shop for sexual harassment, wrongful termination, and discrimination. Employer’s liability insurance doesn’t cover this. Instead, what provides protection is employment practices liability insurance, which also shoulders legal expenses on your behalf.
Hair Stylist Insurance
Insurance companies offer tailored hairstylist insurance. Just like insurance for barber shops and salons, the protection this insurance provides begins with liability insurance policies.
Hair Stylist Liability Insurance
General Liability Insurance for Hair Stylist
Hairstylist general liability insurance covers third-party personal injuries and property damage. It pays for compensatory payments, attorney fees, and other legal costs on your behalf. Add-ons are products and completed operations. There’s also rented premises liability coverage that’s a very useful insurance for hairdressers renting a chair.
Professional Liability Insurance for Hairstylist
Professional liability insurance policy will cover you if a client files a claim because you committed a mistake or any other related acts. Here are situations where this applies:
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You’ve mistakenly given a client the wrong haircut
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You disregarded the instruction of the client and caused injuries
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You were not paying attention while working and cut the client’s cheek, face, or scalp with a scissor or razor
It’s easy to understand which situations professional liability insurance works. All that you need to remember is that this inclusion in independent hair stylist insurance kicks in whenever your business committed or allegedly committed negligence, misrepresentation, violation of good faith and fair dealing, and other acts considered errors and omissions.
Hairdressing Salon Insurance
Hairdressing salon insurance offers general liability and professional liability insurance. You can also decide to add commercial property insurance and workers’ compensation insurance. Some insurance companies offering this tailored coverage also include product liability insurance, which will cover expenses if a client sues your hairdressing salon for selling defective and substandard products.
Mobile Barber Insurance
Mobile barber insurance is a tailored coverage for barbers who own a mobile barber shop and go to clients’ places to provide a service. This one also offers general liability and professional liability insurance. However, what makes this different from the usual barber shop insurance is that commercial auto insurance is included in its terms.
Commercial auto insurance is a coverage for the vehicle you’re using as a mobile barber to visit clients, transport equipment, etc. It offers the following types of protection:
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Auto liability coverage
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Physical damage coverage
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Medical payments/personal injury protection
Vehicular accidents happen and it’s possible for you to be the one at fault. Upon causing an accident, it’s your duty to pay for the medical treatment of injured third parties. You also need to reimburse individuals who had their property damaged. In connection, auto liability coverage will help by paying for such expenses on your behalf. This will also pay for attorney fees and other related costs if an aggrieved party decides to take legal action against you.
Auto liability coverage doesn’t cover your treatment if you got injured in a vehicular accident. This is where medical payments coverage/personal injury protection kicks in. Personal injury protection covers your treatment and medication. The same is also true for medical payments coverage but it includes compensation for lost income. PIP is available if you’re in a no-fault state. On the other hand, medical payments coverage is available if you’re in a state that doesn’t adopt “no-fault” auto liability legal principles.
Physical damage coverage ensures that the vehicle you’re using as a mobile barber stays in tip-top shape. This has two types:
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Collision physical damage coverage – Collision physical damage coverage will cover parts repair or replacement if the vehicle you’re using as a mobile barber incurred damage after crashing into an object or another vehicle on the road
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Comprehensive physical damage coverage – Fire, extreme weather, vandalism, theft, and other covered perils might result in the loss or damage of your commercial vehicle. In this case, comprehensive physical damage coverage will cover parts repair or replacement. Remember though that comprehensive physical damage coverage won’t repair your vehicle if it’s stolen. It won’t also cover damage to aftermarket vehicle parts just like collision physical damage coverage.
BOP for Barber Shops, Hair Salons, & Hairdressers
| CoverWallet | Thimble | NEXT (Best) | Hiscox | |
|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000/$2,000,000 |
| Commercial property insurance coverage limit | $50,000 | $500,000 | $260,000 | $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 |
Business Owners Policy (BOP) is a combination of different types of policies that your business needs. The way this insurance works is simple to understand; it combines general liability insurance and commercial property insurance and then offers additional inclusions such as workers’ compensation insurance, professional liability insurance, commercial property insurance, etc.
Use the table above to compare the business owner’s policy of the recommended insurance companies.
