Who Does Beauty Salon Insurance Cover?
- Hair Salons
- Hairstylists
- Tanning Salons
- Cosmetologists
- Estheticians
- Nail salons
Hear From Our Customers
Julie
Owner of Do’s and Dye Salon
Janelle
Owner of The Color Bar Salon
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Why Salon Owners Need Salon Business Insurance
You’re dedicated to your customers, and so are we. That’s why we work to get to know every small business we serve. This helps us match coverages to the specific risks you may face at your beauty salon, so you can save money while knowing you’re protected from potential disasters.
What Salon Insurance Should Hairstylists Have?
- General Liability Insurance
- Business Income Off Premises Coverage
- Barber Shop and Beauty Salon Professional Liability Insurance
- Equipment Breakdown Insurance
- Commercial Auto
- Workers’ Compensation Insurance
Business Insurance Coverages for Salons
Every beauty salon and hair salon is different, so coverage needs will vary. For example, you’ll want certain types of coverage if you own a salon, and you’ll need additional insurance if you have employees.
We’ve created a plan that’s perfect for small business owners. Our Business Owner’s Policy (BOP) combines three essential types of coverage:
- General liability coverage to help protect your salon from claims that it caused bodily injury or property damage to others.
- Commercial property insurance to help protect your owned or rented building, tools, equipment and inventory used to operate.
- Business income insurance to help replace lost income if you can’t operate because of covered property loss.
How Much Does Hair Salon Insurance Cost?
The cost of hair salon insurance varies because every business owner has unique needs. Here are the average costs customers of The Hartford pay for a few common types of insurance:**
- BOP: $1,687 a year, or about $141 a month
- Standalone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or about $86 a month
Insurance costs vary because insurers look at different factors when determining premiums. This can include:
- Location
- Revenue
- Number of employees
The best way to find out your hair salon insurance cost is to get a quote.
Small Business Salon Insurance
As a hairstylist, insurance coverage may not seem that important, but it’s crucial to have – not just for your customers, but for yourself. The right salon insurance can help cover the costs of unexpected issues that could shut down the business you’ve worked hard to build.
Watch this video about why you need Small Business Insurance.
Employee Injuries
“My receptionist was helping me on a busy Saturday and took my new pair of scissors to clean. She was rushing and didn’t realize how sharp they were and ended up slicing her finger pretty bad. So bad that she needed a few stiches.”
Workers’ compensation insurance is required by most states to help small business owners provide important benefits to employees for work-related injuries or illnesses.
Client Lawsuit
“My cosmetologist did makeup for a bride with a nickel allergy. She applied temporary makeup and sent the bride a list of all the ingredients in each of the makeups beforehand to approve. However, the bride’s eyes swelled, and she sued my makeup artist.”
Professional liability helps protect you and your company against lawsuits and claims that it made an error or mistake in the professional services given.
Customer Injury
“I had just put this pretty new rug down in the waiting area. Apparently the edge was curled up a bit and when an older client walked in, she tripped right over it and fell face first into my display cabinet.”
General liability insurance helps protect your salon from claims that it caused bodily injury or property damage to others.
Stolen Customer Information
“My stylist opened an email that she thought was from a vendor. It asked her to use her login credentials. The next day, our computer systems were hacked and they took our customers’ contact and payment information.”
Data breach insurance can help your salon respond to a breach if personally identifiable information gets lost or stolen. Some insurers call this coverage cyber liability insurance.
Property Damage
“My team travels a lot for weddings. We were doing hair for a big bridal party with a lot of little kids. One of them tripped over our curling iron cords and knocked three of them onto the floor, cracking the ceramic and completely destroying them. We had to cancel several appointments until we could get replacements.”
Business Property and Business Income Off Premises coverages can help protect against the loss of business income when your tools or equipment are damaged outside of your salon.
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More Answers to Frequently Asked Business Insurance Questions
Last Updated: April 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
3 Journal of Occupational Medicine and Toxicology, “Musculoskeletal Health, Work-Related Risk Factors and Preventive Measures in Hairdressing: A Scoping Review”
4 National Center for Injury Prevention and Control, “10 Leading Causes of Nonfatal Unintentional Emergency Department Visits, United States, 2020”
5 Coalition, “2022 Cyber Claims Report”
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