Salon Insurance
$31.08/ month
Cover up to 10 stations — and the technicians who work them — with one smart policy.
- Simple pay-by-station pricing
- Instant coverage + proof of insurance
- Tools & supplies coverage options
- One policy covers 250+ services
What Is Salon Owner Insurance?
Salon insurance from Beauty & Bodywork Insurance (BBI) protects your business by covering multiple stations under one seamless policy. Your salon is safeguarded if named in a claim or lawsuit for mistakes and accidents caused by an employee or independent contractor working at your location.
Our salon insurance policy combines general and professional liability coverage to pay for claims like:
- Client or vendor injury
- Damaged client property
- False advertising claims
- Harm caused by products or services
- Accidental damage to your rented property
- And more!
Note: You must rent or lease (not own) your salon’s location to qualify for coverage.
Instant Salon Insurance
Relax. We’ve got your business covered. The salon liability insurance policy works for:
- Hair salons
- Beauty salons
- Barbershops
- Salon suites
- Nail salons
- Lash salons
- Blowout bars
- Esthetics salons
- Spray tanning salons
- Franchises and chains
Not sure if it’s a fit? We can help!
Let Us Help With That
When accidents happen, salon insurance steps in to keep your business running smoothly. Here are some real claim examples BBI has covered.
- $1,989
- $1,249
- $22,000
- $265,217
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
How Much Does Salon Business Insurance Cost?
Salon insurance starts at $349 per year, or $31.08 per month. Your base policy premium is calculated based on the number of stations you want to insure — not your number of employees or sales. Learn more about salon and spa insurance costs.
| Number of Stations | Monthly Pricing | Annual Pricing |
|---|---|---|
|
1-2 Stations |
$31.08 |
$349
|
|
3 Stations |
$39.42 |
$449
|
|
4-5 Stations |
$47.75 |
$549
|
|
6-7 Stations |
$49.92 |
$575 |
|
8-9 Stations |
$58.25 |
$675 |
|
10 Stations |
$66.58 |
$775
|
Beauty Salon Insurance, Styled to Your Needs
Yearly Policy Limit: $3 million
General liability insurance covers you for third-party claims of bodily injury or property damage caused by your business operations. Professional liability insurance protects you against third-party claims of injury or damage caused by your business’ professional services.
Yearly Policy Limit: $3 million
Products and completed operations coverage protects you from third-party claims of injuries or damage caused by the products your business uses or the completed services your business has provided.
Yearly Policy Limit: Included
Personal and advertising injury protects you from claims of non-physical damages caused by libel, slander, advertising mistakes, or copyright infringement.
Yearly Policy Limit: $300K
Fire legal liability coverage can pay for claims if your business accidentally causes fire damage to your rented space.
Yearly Policy Limit: $2,000 – $30,000
Tools and supplies coverage (inland marine insurance) can pay to replace your movable business essentials in case of theft or damage.
Why Choose BBI for Salon Business Insurance?
Your salon deserves the best – BBI is any easy choice for protecting your business.
Insurance Professionals
10 years of experience insuring the beauty and bodywork industry with top-rated coverage nearly nationwide!
Responsive Customer Service
Licensed (and non-commissioned) insurance agents ready to work with you to get you the protection you need.
Fast & Secure Online Purchase
Get your free quote and secure your policy in just a few minutes – we’re on your schedule!
Affordable Premiums
One of the most affordable options available to you thanks to trusted carriers and our specialization in covering pros like you.
General and Professional Liability Limits
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
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
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
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
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
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.
Limits – Per Claim / Per Policy | Price | Deductible | |
Tier 1 | $2,000 / $2,000 | $2/month | $100 |
Tier 2 | $5,000 / $10,000 | $5.50/month | $200 |
Tier 3 | $10,000 / $20,000 | $10.67/month | $500 |
Tier 4 | $15,000 / $30,000 | $17.83/month | $500 |
Tier 1:
Limits – Per Claim/Per Policy:
$2,000 / $2,000
Price:
$2/month
Deductible:
$100
Tier 2:
Limits – Per Claim/Per Policy:
$5,000/$10,000
Price:
$5.50/month
Deductible:
$200
Tier 3:
Limits – Per Claim/Per Policy:
$10,000/$20,000
Price:
$10.67/month
Deductible:
$500
Tier 4:
Limits – Per Claim/Per Policy:
$15,000/$30,000
Price:
$17.83/month
Deductible:
$500
BBI vs. The Other Guys
Getting a blanket of salon insurance that covers all of your technicians can be expensive. Especially when other companies want to charge you based on your income or the number of employees you have. BBI keeps it low-cost and simple: you only pay for the number of stations you want to insure.
Here’s what makes BBI’s salon insurance stand out:
- No hidden fees or membership dues
- No shared limits with other unrelated insureds
- Same (or higher) coverage limits as competitors at a lower cost
- Insure up to 10 stations, chairs, booths, rooms, or tables
- Rates don’t increase based on revenue or employees
- Premiums are the same for every state, unlike most competitors
- Secure a policy up to 90 days in advance
- Shorter application process than competitors
- No agent required to buy insurance (and no agent commissions, either!)
- Optional monthly payments available
- Manage your policy entirely online 24/7
- Instant Certificate of Insurance (COI) after purchase
- Industry-preferred occurrence-based coverage*
- Multiple tools and supplies coverage options
*All new policies purchased after July 1, 2024 include occurrence-based coverage.
You're in Great Hands
Other happy salon owners can tell you all about it.
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!
Questions About Salon Insurance
Why Do Salon Owners Need Insurance?
You need salon insurance to cover costly claims your business may face — even if you don’t perform a service yourself, you’re liable for any accidents your employees cause.
Say a customer suffers an allergic reaction to a chemical used during a service. They decide to sue, naming you, the business, and the employee in the lawsuit. Salon insurance could help pay for the legal fees, medical bills, and court settlements.
You may also need salon owner insurance to fulfill franchise contract agreements.
Commercial property insurance or renters’ insurance can cover some incidents that take place on a property. However, general liability insurance is a must for covering incidents caused by your business, while professional liability insurance is needed for covering damages caused by your business’ services.
I Don’t Have Any Employees. Do I Still Need Salon Insurance?
Salon owner insurance is designed for businesses that hire employees, rent rooms or stations, or contract independent technicians. If this doesn’t sound like you, then salon owner insurance isn’t the right fit for you.
If you’re an independent beauty professional, get covered from $9.99/month with our comprehensive individual policy. See if you qualify.
What Type of Insurance Should a Salon Have?
Common types of insurance salon owners need include:
- General Liability Insurance: This can cover injuries and damages caused by your business operations.
- Professional Liability Insurance (E&O): This can cover injuries and damages caused by the services your business offers.
- Personal and Advertising Injury: This can cover monetary damages caused to a person’s reputation or other business.
- Tools and Supplies Coverage: This can cover the cost to repair or replace items you use for your business if they are damaged or stolen.
- Cyber Liability Insurance: This can cover incidents of cyber attacks brought upon your business, such as phishing scams or malware.
- Product Liability Insurance: This can cover products you make and sell in your salon. BBI offers limited coverage for products you use in service, so if you make or sell products in your salon, consider adding additional product liability coverage from our sister company, Insurance Canopy for as low as $99.
How Do I File a Claim With My Salon Insurance?
Accidents can be stressful, but we’re here for you every step of the way. You can file a claim online at any time from your dashboard (under “Manage Policies”). In 24–48 hours, a claims adjuster will reach out to walk you through the next steps. Learn more about how to file a claim.
The #1 Trusted Insurance for Beauty Salon Owners
We get it — choosing the right policy for your business is a big decision. That’s why BBI works with top insurance providers to offer high-quality coverage at a price you’ll love. We also have a team of support agents (yes, real humans!) who can assist you in picking the best policy. More than 67,000 professionals like you have trusted our coverage since 2011. It’s time for you to join us, too.
