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Business Insurance for Barber Shops, Beauty Salons, and Spas

    3 minute read

    Health and beauty professionals like yourself keep the rest of us looking and feeling our best. But let’s face it, no one’s hand is perfect. Accidents happen and the same tools you use to help your clients look and feel good could potentially harm them. That’s why having the right business insurance coverage is incredibly important in protecting yourself. Let’s discover what insurance coverages you need for your barber shop, hair salon, and/or spa.

    Why Do I Need Insurance For My Barber Shop Or Salon?

    Unfortunately, high levels of physical interaction like holding sharp scissors and applying chemical products, along with subjective beauty standards, mean you face unique operating risks every day. According to WellSpa 360, some of the most common causes of lawsuits against salon and spa owners include cuts, slips and falls, chemical burns, and emotional damage.

    You could expose your business to financial liability if you don’t have the right business insurance coverage. Your clients want the best care and service from you. When it comes to protecting your shop or salon, get the best coverage and service with AIS Insurance.

    Related Professions We Insure

    We don’t just serve barber shops and hair salons; we take the time to learn all professions in the health and beauty industry. Below are some of the beauty and wellness professions we insure as well:

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    • Color Stylist
    • Nail Technicians
    • Cosmetologists
    • Estheticians
    • Massage Therapists
    • Makeup Artists
    • Tanning Salon Owner
    • Eyelash Technician
    • Wax Technician

    Styling Insurance To Fit Your Needs

    Barber shops and beauty salons must prepare for a range of financial risks. As a business owner, you want insurance coverage tailored to your line of work. Whether you own your shop or salon, rent a chair, or drive out to meet your clients, AIS can help you find the coverage that fits your needs. Take a look at some of the most common insurance coverages for your profession:

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    Business Owners Policy (BOP). Many small businesses benefit from a Business Owners’ Policy (BOP), which combines commercial property insurance, general liability insurance, and business income insurance.

    • General Liability Insurance. Protects your salon or spa business if clients sue for bodily injuries or property damage
    • Commercial Property. Provides coverage for damaged, vandalized, or destroyed tools you use, like salon equipment and furniture.
    • Business Interruption. Help replaces the lost income and extra expenses of operating if you can’t run your business because of covered property damage or while your business rebuilds.

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    Professional Liability Insurance. Also referred to as errors and omissions, this insurance coverage protects your business against lawsuits that claim your professional service caused the client harm.

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     Commercial Auto. Commercial auto insurance helps cover costs related to accidents when driving for work. Covered expenses may include physical damages, bodily injuries, theft, vandalism, towing, repairs, and rental reimbursement.

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    Workers’ Compensation. Provides wage protection and coverage for medical expenses if you or your employees are hurt on the job.

    How Much Is Insurance For My Barber Shop Or Salon?

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    The size of your business, where you operate, gross income, types of services offered, the number of employees, and claim history determine the type of insurance you need for your barber shop, hair salon, or spa. Most insurance companies will offer you a package deal for the coverage you want. If you want to know the exact cost to insure your salon, request a free quote from AIS online today.

    Why Choose AIS?

    At AIS Insurance, we understand how much work goes into being an artist. Small business insurance is one of our specialties and we’re dedicated to helping you find the best protection for your business. We have helped business owners plan for their financial futures and be more prepared for whatever comes their way. Speak with one of our Commercial Insurance Specialists today at (855) 919-4247 for a fast and free commercial insurance quote.


    The information in this article is obtained from various sources and offered for educational purposes only. Furthermore, it should not replace the advice of a qualified professional. The definitions, terms, and coverage in a given policy may be different than those suggested here. No warranty or appropriateness for a specific purpose is expressed or implied.