Insurance for Barbershops & Salons
Barbershops and salons deal with a unique mix of exposures — sharp tools, chemical products, and independent stylists renting chairs. We build coverage that fits how your shop actually operates, including booth-rental arrangements many policies overlook.
Coverage We Build Around Your Business
Real Risk, Real Coverage
A client has an allergic reaction to a color or chemical treatment.
Professional liability covers claims tied to the services you actually perform, which general liability alone typically doesn't address.
An independent stylist renting a chair in your shop causes a claim.
Booth-rental arrangements need to be addressed specifically in your policy — we help you structure coverage and agreements so you're not unexpectedly liable for a renter's actions.
A client slips on wet floor near a shampoo station.
General liability under your BOP covers third-party injury claims tied to your premises.
Questions We Hear Often
Yes — general liability covers slip-and-fall type injuries, but claims tied to the actual service performed (like a chemical burn or allergic reaction) fall under professional liability.
Not automatically — this is one of the most commonly misunderstood gaps in salon insurance. We help you determine whether renters need their own policy and how your shop's liability is affected.
Products & completed operations coverage addresses claims tied to products used or sold in your business, separate from the service-related professional liability coverage.
It depends on how your shop is structured legally — true independent contractors are typically not covered under your workers' comp, but misclassification is a real risk worth reviewing with us.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
Request a Commercial Quote