Hairstylist and hair salon business insurance
If you cut and style hair for a living—or if you run a hair salon—you know that just about anything can go wrong. A client could slip on a water spill. An employee could cut themselves on a blade. A fire could break out at your business over the weekend. Moral of the story? If you don’t have a backup plan and hairdressing insurance to protect you and your business after an unexpected event, you could be left with a lot of legal liability—and a big bill.
That’s why you need dependable insurance for your business. When you purchase the correct set of insurance coverages, you’ll have the peace of mind that comes from knowing you’re protected—no matter what happens at your hairstylist business.
Read more about barber insurance and cosmetologist insurance here. If you’re an esthetician or run a beauty salon, read more about beautician insurance here.
Most common types of insurance for hairstylist or salon businesses
Covers lost wages and medical bills if an employee at your hair salon gets sick or injured on the job.
A bundled insurance policy that includes general liability, business property insurance, and business interruption coverage.
If you ever get sued by a third party for property damage, bodily injury, and more, a hairstylist liability insurance policy will cover your salon or hairstylist business from financial loss. Not to be confused with professional liability insurance.
This coverage protects your hair salon (and the personal property inside).
How much does hairstylist and hair salon insurance cost?
How much is insurance for a hair salon? You might get different answers from different insurance companies. Overall, the cost of getting a general liability policy depends on how many people you hire and your location. Plus, your insurance needs might vary if you ever do more than just hairstyling and shampooing for a given client’s hair (like cosmetology, hair coloring, or body hair removal).
Still, with Huckleberry, hair salon owners have paid as low as $27 per month for their workers’ compensation coverage and $42 per month for a Business Owner’s Policy. Get an estimate on your workers’ compensation rate here.
Hair salon and hairstylist insurance Q&A
Technically, there isn’t a single policy that will cover every risk a hair salon or hairstylist business faces. But, in general, you should purchase at least general liability coverage, business property insurance, and business income insurance. (Luckily, all three are included in a Business Owner’s Policy!)
And keep in mind that if you hire anyone to help you, you’ll need workers’ compensation, too.
Did you purchase your insurance from Huckleberry? If you did, you’re in luck—we’ve made it super easy to get proof of insurance online on our Certificate of Insurance page. It’s free, and you’ll be able to generate multiple copies of your COI and then forward them to whomever you’d like.
Huckleberry sells fast, simple small business insurance. Everything is 100% online and 100% easy. Get a no-obligation, free quote by filling out an online application today.
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