Hair Salon Business Insurance

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Why Hair Salons Need Business Insurance

Beyond making customers feel beautiful, salon owners have a broad range of responsibilities including managing professional staff, monitoring finances, purchasing, stocking, displaying hair, beauty, and grooming products, all of which can expose your business to unique risks. This is in addition to the usual issues most businesses deal with like workplace property damage or loss of important client files or other business records. Learn about hair salon insurance coverage small business owners like you typically need, and most often purchase, from The Hartford.

Business Owner’s Policy

Most hair salons have a Business Owner’s Policy (BOP). Why? Because it helps protect your beauty business in much the same way a homeowner’s insurance policy helps protect your home and personal possessions.

By combining three basic insurance coverages that are important to virtually every small business, including beauty salons, a Business Owner’s Policy (BOP) can help save you money while safeguarding the salon business you’ve worked so hard to build.
  1. General Liability – helps protect your hair salon from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer falls and is hurt while in your salon or an employee spills hair color and ruins a customer’s purse or clothing. It even helps cover certain claims of slander and libel against your business. Business Liability does not cover liabilities directly arising out of the professional salon services you may provide.
  2. Commercial Property – helps protect the place where your run your hair salon and the tools and equipment you use to conduct business, like furniture, styling brushes, curling irons, and computers – whether you own or lease them.
    Business Income – helps cover the loss of income when you can’t run your salon business because of covered property damage.
Learn more about our Business Owner’s Policy for your small hair salon business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Scissors, chemicals and hot surfaces means errors and omissions can happen in a hair salon. You can be sued for damages and expenses resulting from the professional beauty services you and your staff provide, or the failure of your professional services to perform as intended, even if you’ve done nothing wrong. If you are sued, Professional Liability insurance provides financial protection that can help protect your salon’s assets and help cover the cost of your defense in the event of a lawsuit.
Hair salon businesses may store sensitive information about their employees, stylists, manicurists, and clients. This data can include Social Security and debit/credit card numbers. If this information is lost or stolen, it could leave your salon business 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 hair salon.
It’s possible for a hair salon’s current or former employees to make claims of wrongful termination, discrimination, retaliation and harassment. For example, if a former employee of your hair salon 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 hair salon 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 hair salon 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 clean-up costs.
Bundle Insurance Coverages for Hair Salon Businesses
It’s easy to increase your hair salon’s Business Owner’s Policy (BOP) protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key insurance coverages. For hair salons like yours, 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 hair salon.

Additional Solutions

If you have employees, use a car for work, or work from home, your hair salon business may also benefit from:
Other Important Insurance Options for Hair Salon Businesses
Required by most states, workers’ compensation provides benefits to stylists, assistants, receptionists and other employees of your hair salon and beauty shop 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, workers’ compensation coverage can help you with related legal fees. Hair salons and beauty shops are among the many businesses that have been turning to The Hartford for workers’ compensation insurance coverage for more than a century.
Do you ever use your own car or truck to visit clients for house calls, provide hair styling for a wedding party at the venue, or pick up beauty supplies for your hair salon? A Business Auto Policy provides coverage not typically included in a personal auto insurance 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 hair salon out of your home, you probably want a Business Owner’s Policy (BOP). A Business Owner’s Policy provides coverage not generally available with a homeowner’s insurance policy. Ask yourself, “Do I have clients come to my home, accept deliveries of hair and beauty products at my house, or have employees or inventory in my home?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your salon or beauty 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.