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Beauty & Hair Salons

Hair salons or beauty salons need commercial insurance to protect them from loss. There are a number of risks in owning a hair salon that are unique to the industry.  Most insurance carriers we work provide insurance for beauty salons including hair salons, spas, barber shops, and nail salons.


Commercial Property Insurance

Property insurance not only covers the building and its contents, but it also provides coverage for loss of income should the building become uninhabitable, experience mechanical failure, or other potential issues. Commercial insurance for beauty salons typically covers theft by employees from the cash register or from a bookkeeper pocketing revenues.

General Liability Insurance

Liability insurance covers slip and falls. You know your business–potential water on the floor from shampoos and hair on the floor can be slippery. You need to be protected if a customer or employee falls causing injury while in your salon.

Professional Liability Insurance

Hair salons also need professional liability insurance. Why? Professional liability covers any damages incurred from someone making a claim due to the service you provided. For example, if you  burned a customer’s scalp by improperly mixing chemicals or your scissors slipped during a haircut causing a nick or embarrassing style. Professional liability insurance for beauty salons would cover you from these types of risks.

Worker’s Compensation Insurance

Workers’ compensation insurance covers injuries to the employees while in the course of performing their duties.  If an employee gets injured on the job like cutting themselves with their scissors or burning themselves on a chemical, your business will be covered.

The cost of insurance will depend on a variety of factors including how much coverage you want, whether your business is in New Jersey or another state, number of employees, credit history, and more.

Rest assured, can get you the most competitive rates and provide a higher level of customer service than the average insurance broker.