Hair Stylist Insurance
Industry-Trusted Coverage for Independent Stylists and Booth Renters
- Super fast, secure, and easy
- Instant coverage + proof of insurance
- $15 per additional insured | $30 unlimited
- Industry-preferred occurrence-based coverage
- Trusted by 63,000+ beauty and bodywork professionals
Psst… images on this page were submitted by real BBI customers like you!
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Or $96/year. We’ve got you covered.
Stop shopping — you found the best deal! So easy to sign up and exceptional coverage for the price!
~ Hannah H., Cosmetologist
Hairdresser Insurance
Affordable
Policies priced with your budget in mind — as low as $96/year for $3 million aggregate coverage.
Comprehensive
General and professional liability coverage included in one base policy.
Supportive
Licensed, non-commissioned customer service agents available if and when you need them.
Does BBI Cover Me?
One BBI policy can cover nearly every service on your menu, so you don’t have to get a different policy for each one. Check the full list of who qualifies, or start with the most requested:
What Is Hair Stylist Insurance?
Hair stylist insurance provides the essential coverage you need to help protect your business from the costs of claims and lawsuits. It’s designed to cover the most common types of claims, including:
- Client injuries, like slip-and-fall accidents or burns from dye chemicals
- Allergic reactions, like a client developing a rash or hair loss the day after their appointment
- Property damage, like a client’s designer leather bag being ruined by spilled bleach or toner
BBI also includes other optional add-ons like tools and supplies coverage and unlimited additional insureds, so you can customize your policy to your needs.
Work worry-free with independent hair stylist insurance from BBI.
What Does Hair Stylist Insurance Cover and How Much Does it Cost?
At BBI, our goal is to provide top-tier insurance at an affordable price. The cost of our standard hair stylist policies start at just $9.99 per month, or $96 a year when you select an annual payment plan.
For $9.99 a month, BBI’s comprehensive insurance for hair stylists includes:
- General liability insurance
- Professional liability insurance
- Personal and advertising injury coverage
- Products and completed operations coverage
- Fire legal liability coverage
- Medical expense limit
Every base hair stylist policy also comes with an aggregate (total) limit of $3 million in general and professional liability coverage.
You can upgrade your policy with a variety of optional add-on coverages, too. For example, tools and supplies insurance (starting at just $2/month) can help protect your tools against damage or theft. Add-ons include:
- Additional insureds
- Cyber liability insurance
- Tools and supplies coverage
- Sexual Abuse & Molestation (SAM) insurance
- And more
The best part? Your application can be completed in ten minutes or less. (Cue your next appointment!)
Do I Need Hair Stylist Liability Insurance?
Take it from us. Yes, you need hair stylist liability insurance.
Cuts, burns, spills — you face risks every day. When things go wrong, you could be left with medical bills, repair costs, legal fees, and other expenses. We don’t want that for you. Our hair stylist insurance is designed to protect you, your business, and your clients, so things run smoothly.
Salon owners (and the like!) typically require you to have liability insurance — and list them as an additional insured — before they hire you. With BBI, your certificate of insurance (COI) is ready to present immediately after purchase. Easy, right?
Plus, our insurance policy offers industry-preferred occurrence-based coverage.* That means you get peace of mind to file a claim even after your coverage has ended, for accidents that happen during your policy period.
*If you purchased your policy after July 1, 2024, your policy is an occurrence-based policy. If you purchased or renewed your policy before July 1, 2024, your policy is a claims-made policy and is eligible to become an occurrence-based policy after July 1, 2025.
What Are Some Examples of Covered Claims?
Check out these real claims and their real costs. This doesn’t have to be you! With BBI by your side, get real peace of mind knowing you’re protected.
- $1,989
- $17,498
- $41,593
- $252,768
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Quote-Free Hairdresser Insurance
Over 63,000 professionals like you have found peace of mind with liability coverage from BBI. Are you ready to join us next?
General and Professional Liability Limits
General & Professional Liability Aggregate
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
Products & Completed Operations Aggregate
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
Personal & Advertising Injury
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
Each Occurrence
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Damage to Premises Rented to you
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Medical Expense Limit
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Optional Add-Ons
Your hairdressing insurance policy comes standard with the coverages listed in the chart above. To customize your policy and maximize your protection, select from these extra coverages.
$2 – $5.50 / month
Tools and supplies coverage, or inland marine, can pay to replace your movable business gear if it gets damaged or stolen.
Good for: covering your shears, products, hot tools, business tablet, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Adding additional insureds extends your policy coverage to any third party that may be affected by claims brought against your business.
Good for: meeting the requirements of salon owners, landlords, venue organizers, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: hair stylists who book clients or accept payments online.
$4.92 – $6.96 / month
SAM Insurance can help pay for your defense costs if you’re wrongly accused of sexual harassment or improper conduct.
Good for: peace of mind that your business and reputation are protected against misinterpretation or false allegations.
More FAQs About Hair Stylist Liability Insurance
Does Hair Stylist Insurance Cover My Equipment?
- Hair-cutting shears
- Hair color products
- Shampoos and conditioners
- Hairdryers and other hot tools
- Tech products, such as your business tablet
Does Hair Stylist Insurance Cover My Business on the Road?
Yes, your BBI hair stylist insurance covers you wherever you work. Whether you’re traveling from salon to salon, to clients’ homes, or both, you have got top-rated mobile hair stylist insurance with BBI.
Please note this coverage currently excludes Missouri.
How Will Hair Stylist Insurance Help My Business?
The short answer: Hair stylist insurance helps keep you from having to pay for expensive “oh no!” moments on your own. This coverage gives you the freedom to grow your business further.
Plus, hair stylist insurance helps your business by:
- Providing peace of mind, knowing that you’re covered
- Demonstrating your professional responsibility
- Building trust with your clients
- Ensuring financial stability
Do I Need Insurance for Hair Stylists if I'm Just Renting a Chair or Booth at a Salon?
Do I Need a Different Policy if I Own My Salon?
What Insurance Do I Need to Be a Hair Stylist?
To be a hair stylist, you should protect yourself with liability insurance. Depending on where you work, you may be required to carry these three main types: general liability insurance, professional liability insurance, and products-completed operations coverage (product liability insurance).
BBI takes the guesswork out of insurance shopping by including these necessary coverages in your base hair stylist insurance policy!
What Is the Best Hair Stylist Insurance?
Our Customers Are Happy
And we’re over the moon about what they say about us.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
