Owning a salon or barber shop, or another beauty business requires you to be very skilled at your art. But it also means that you have many of the same risks that other businesses have including the need for things like slip-and-fall protection, property coverage, and workers compensation coverage. When you come to Keslar Insurance for a quote, we make sure to walk you through all of these coverages and more if needed, to make sure you and your business are always well protected.
What are the insurance policies we recommend for Beauty Salons & Barber Shops?
Business Owner’s Policy (BOP)
Worker’s Compensation
General Liability
Commercial Auto
Property Insurance
Professional Liability
Commercial Umbrella
Cyber Liability
Beauty Salons & Spas – Insurance FAQs
1. What insurance does a beauty salon need?
Common coverages include General Liability, Professional Liability, Commercial Property, Workers’ Comp, and Product Liability. You may also need Business Interruption and Cyber Liability.
2. What’s the difference between General and Professional Liability?
General Liability covers third-party injuries (like a client slipping). Professional Liability covers claims from services gone wrong—like chemical burns, allergic reactions, or bad results.
3. Are independent contractors covered under our policy?
Not by default. They may need their own liability policies, but you should also consider a Booth Renter’s endorsement or require proof of insurance from each stylist.
4. What does Product Liability cover?
If you sell or apply products that cause injury or harm (like a skin reaction), Product Liability—often part of General Liability—covers related claims.
5. What if a client claims we caused hair damage?
That’s Professional Liability territory. It helps defend your business if a client sues over service-related dissatisfaction or damage.
6. Is Workers’ Comp required for salons?
If you have employees—yes. It covers slips, cuts, repetitive strain injuries, and chemical exposure-related illnesses.
7. What if we operate in a shared or leased space?
You’ll still need Property coverage for your equipment, inventory, and furniture, even if the space is not yours.
8. Does insurance cover our salon chairs, dryers, and sinks?
Yes—under your Business Personal Property or Contents coverage. Make sure high-value equipment is included in the limits.
9. Can we insure walk-in cash and appointment cancellations?
Business Interruption coverage can help if you’re shut down due to a covered loss, but lost cash or no-shows generally aren’t insurable.
10. Do we need Cyber Liability if we only take appointments online?
Yes. Booking systems, client data, and payment info all create cyber risk, even for small salons.
11. What if a stylist causes damage at an off-site wedding or event?
Make sure your policy covers off-premises operations, or consider a mobile stylist endorsement.
12. How do we reduce our premiums?
Maintain a clean claim history, document safety practices, and work with a salon-savvy agency (like ours) that can place you in the right program.
