Barber Shop & Hair Salon Insurance

Protect your hair salon/barber shop.

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Step 1 of 5 - General Information

General Information

Business Name*

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Full-Time Employees

Part-Time Employees

Business Information

Address*

Street Address City State ZIP Code

Business Type*

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Brief description of the business

(ie. We are a 3-store chain of bakery and coffee houses...)

Additional Business Details

Are you currently insured?*

Years in Business

Years of Owner Experience within the Industry

Legal Entity/Status

Gross Annual Payroll

Gross Annual Revenue

Desired General Liability Coverage

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hair salon insurance barber shop insurance

If you're looking for affordable barber shop, beauty salon, or hair salon insurance, then you've come to the right place.

You have worked hard at building up your beauty and hair care business. You've also spent many years with clients that have helped you to develop the professional reputation you have built.

It's because your clients rely on you and your services that you can be sued for negligence in performing your duties. In fact, a hair salon was recently sued for $150,000 after a botched dye job.

Here at InsuranceHub, we supply affordable:

Beauty parlor insurance
Beauty shop insurance
Facial salon insurance
Manicure and pedicure salon insurance
Esthetician insurance
Hairdresser and hair stylist insurance
Barber shop insurance

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We will take the time to understand your business, clients, and specific industry-related liabilities and challenges. Complete our online form or contact us today at (877) 341-5728 to schedule your free, no-strings-attached collision repair shop insurance consultation today.

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What would you do if you were hit with a liability suit for more than your current salon insurance covered?

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Here are the biggest reasons hair shops are sued every day:

Bad dye jobs
Eye injuries caused by chemicals
Insufficient or improper employee training
Slips and falls
Cuts that cause injury and bleeding
Burned hair
Damaged hair
Failure to follow proper treatment procedures
Unsanitary instruments that cause infection
Employment compensation issues

Thankfully, here at InsuranceHub we have experience helping hair salons, nail salons, and cosmetology providers. We understand the liabilities that come with providing the everyday services you offer to your clients, like:

Cutting, styling, and trimming hair
Dying and coloring hair
Applying permanent wave solutions
Applying straightening solutions to hair
Massages
Manicures and pedicures
Tanning beds
Cosmetic consulting and application
Facials
Electrolysis
Waxing

Types of exposure that hair salons and beauty salons need protection from:

Property exposure

How big is your salon or barber shop? Your biggest concerns have to do with fire, smoke, and water damage. Make sure that all repairs to plumbing, electrical, and HVAC systems are done by licensed professionals. Professional scissors, clippers, and tools used by your employees can be expensive to replace if damaged or stolen.

Inland marine exposures

Inland marine exposures come from your valuable papers and records for both your suppliers and customers. Do you provide wig and hair piece cleaning and wig straightening services? You might need a bailees' floater to cover these.

Product liability exposure

Do you sell shampoo, conditioners, and facial products? Let your agent know if you are selling anything that is independently produced locally.

Workers compensation exposure

Your employees can receive minor cuts and scratches from scissors and clippers. Other dangers include repeatedly using toxic chemicals that can cause skin rashes, eye irritations, and burns. Make sure employees have access to gloves that will protect them from these chemicals. Teach employees ergonomic practices to avoid repetitive stress injuries, and tell your insurance agent if you have independent subcontractors instead of employees.

Professional liability exposure

What kind of services are you currently offering? Make sure to only hire experienced staff and subcontractors since your reputation is on the line.

Beware of spreading head lice from infected clients.
Make sure employees wash their hands and clean combs, brushes, and clippers.
The chemicals you use when straightening hair, giving perms, and coloring dyes can damage the hair or scalp and burn the eyes.
Do you currently do a test patch to see if there are skin reactions or allergies?
Make sure all employees and subcontractors are properly licensed and certified and that they keep up with their continuing education credits.

Premises liability exposure

As long as you have clients coming in and out of your shop, you have potential liabilities. To minimize these, make sure that all spills are cleaned up immediately, especially near the hair-washing sinks. Clean up all hair on the floor so no one slips and hurts themselves. Repair all cracks, holes, and frays in the floor and carpeting to prevent trips and falls. Make sure your front door, sidewalk, and parking lot are clear of ice and snow. Talk to your insurance agent if you provide tanning bed, massage, or electrolysis services. Finally, keep everything clean and sterile to avoid spreading germs and causing infections.

Minimum barber shop & beauty salon insurance coverage to consider:

minimum insurance coverages for a small business insurancehub

Business Owners policy
Business Personal Property
Accounts Receivable
Property of Others
Business Income and Extra Expense
Computers
Valuable Papers and Records
General Liability
Employee Benefits Liability
Professional Liability
Errors and omissions
Commercial Umbrella Liability
Hired and Nonownership Auto Liability
Workers Compensation

Other beauty shop & hairstylist insurance coverages to consider:

Building
Bailees Customers Floater
Earthquake
Employee Dishonesty
Flood
Computer Fraud
Forgery
Money and Securities
Special Floater
Employment Practices Liability
Business Auto Liability and Physical Damage
Bailees Customers
Employees Tools and Equipment
Property Off Premises
Stop Gap Liability
Cyber Insurance

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