Barber Shop Business Insurance

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Why Barber Shops Need Business Insurance

Keeping customers well groomed, managing stylists, barbers and other staff, stocking grooming products, and other barber business tasks can expose barber shop owners to specialized risks. And that’s in addition to the typical issues most small businesses deal with like property damage to your shop or loss of important records. Learn about the insurance options barber shop owners typically need and purchase from The Hartford.

Business Owner’s Policy

Most barber shops have a Business Owner’s Policy (BOP). Why? Because it helps protect your business in much the same way a homeowner’s policy helps protect your home and personal possessions. 
By combining three basic insurance coverages that are important to virtually every small business, including barber shops, a Business Owner’s Policy (BOP) can help save you money on insurance rates while safeguarding the barber business you’ve worked hard to build.
  1. General Liability – helps protect your barber shop business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer slips on a wet floor and is injured at your barber shop or an employee causes damage to a customer’s property while on a house call for barber services. It even helps cover certain claims of slander and libel. Business Liability insurance does not cover liabilities directly arising out of the professional barber services you may provide.
  2. Commercial Property – helps protect the place where you do business, your barber shop, and the inventory and equipment you use to conduct business, like hair products, scissors and combs, or furniture, whether you own or lease them.
  3. Business Income – helps cover the loss of income you may incur when you can’t run your barber shop because of covered property damage.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Razors, chemicals, clippers, hot surfaces, and more mean barber-shop-related errors can happen. You can be sued for damages and expenses resulting from the professional services you provide – or the failure of your professional services to perform as intended.
Professional Liability insurance provides financial protection that can help safeguard the assets of your barber shop and help cover the cost of your defense in the event of a lawsuit.
Barber shops may store sensitive information about their employees, clients, and vendors, including Social Security and debit/credit card numbers. And if that information is lost or stolen, it could leave your barber shop vulnerable to lawsuits and a damaged reputation.
Data Breach Coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising, and more if personally identifiable information is lost or stolen from your barber shop business computers.
It’s possible for a barber shop’s current or former employees to make claims of wrongful termination, discrimination, retaliation and harassment. For example, if a former employee of your or barber shop sues claiming that she had to resign because appropriate medical accommodations were not made for her, EPL may help cover the legal costs associated with the claim.
If an employee of your barber shop claims your company mishandled the administration of his employee benefits, Employee Benefits Liability insurance may help cover the costs related to that claim. For example, if an employee claims that your company committed a clerical error and as a result, he was not properly enrolled in the company vision plan, The Hartford’s Employee Benefits Liability insurance may help cover the costs to your company that are associated with his claim.
Your barber shop may experience hair clogged drains while working on the job, which may cause water to damage your building. Backup of Sewers and Drains Coverage may help cover the cleanup costs.
Bundle Insurance Coverage for Barber Shop Businesses
It’s easy to increase your barber shop Business Owner’s Policy protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key coverages. For barber shop businesses like you we offer:
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right coverage for your barber shop.

Additional Solutions

If you have employees, use a car for work, or work from home, your barber shop may also benefit from:
Other Important Insurance Options for Barber Shops
Required by most states, workers’ compensation insurance provides benefits to your barber shop employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the worker’s family decides to sue you, coverage can help you with related legal fees.
Barber shops are among the many businesses that have been turning to The Hartford for workers’ compensation coverage for more than a century. 
Do you ever use your own car or truck to pick up supplies, make bank deposits, and more for your barber shop?

A Business Auto Policy provides insurance coverage generally not included in a personal auto policy. It can cover you or an employee when an owned vehicle, used for business purposes, is involved in an accident. 
If you run your barber shop business out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides insurance coverage not generally available with a homeowner’s policy. 

Ask yourself, “Do I have barber clients come to my home, receive mail or deliveries for my barber business at my house, or have employees or inventory at my home?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your business.

Learn More About Home-Based Business Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.