Beauty Salon & Barber Shop Insurance

Core coverages

• Professional liability — chemical burns, allergic reactions, treatment injuries
• General liability — slip-and-falls and premises injuries
• Product liability — retail products you sell and backbar products you use
• Property — buildout, chairs, equipment, and inventory
• Workers comp — for W-2 staff (booth renters are a different conversation)

What drives your rate

Services offered (color and chemical treatments price differently than cuts only; medspa services are a separate class), booth renters versus employees, and annual revenue. If you rent chairs, your policy needs to be structured so a renter's mistake doesn't land on your business.

Why agents pass — and we don't

Booth-rental arrangements confuse standard business policies — owners end up thinking renters are covered when they aren't, or vice versa. Salon-specialty programs handle both sides cleanly, and we set it up so each renter's status is explicit in writing.