Barber Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Top Highlights of BBI’s Barber Insurance
Beauty & Bodywork Insurance (BBI) is the best choice for protecting your barber business.
Affordable
A policy priced with your budget in mind.
Comprehensive
All the coverage you need, tailored just for your industry.
Supportive
Customer service that’s here for you now and later.
Common Questions About Barbers Insurance
What Is Barber Liability Insurance?
Barber insurance is coverage designed to keep professional barbers like you from having to pay for expensive claims related to your work. Think of it as a clipper guard for your business, ensuring your financials stay lined up.
At BBI, we know you’d rather be helping clients get a fresh cut or a smooth shave — not thinking about insurance. That’s why we designed a policy that includes general and professional liability coverage, plus coverage for fire at your rented premises, personal and advertising injury, and products and completed services.
Get all the essential coverage, plus options for add-ons, with BBI’s barber liability insurance.
How Much Does Barber Insurance Cost?
BBI specializes in insuring the beauty space, so we’re able to offer top-tier coverage at truly competitive pricing. The base barber insurance policy starts at $9.99/month or $96/year for professional barbers.
Customize your policy with extras like additional insureds, tools and supplies coverage, or cyber liability insurance. No quote needed; simply select what you need during your initial application or any time after, through your user dashboard.
From chair rental to precision shears, the cost of running your business adds up quickly. With BBI’s affordable barber insurance, you keep more of your money and get the peace of mind you deserve.
Do Barbers Need Insurance?
Yes, barbers need insurance! Chemicals in dyes, sharp razors, and hot tools — the risk of injury is present every time a client steps into your workspace.
You’re a pro, but accidents happen. When things get ugly, you could be liable for medical bills, legal fees, repairs, and more. Insurance for barbers stands between you and these costly claims.
Do you rent space at a barbershop, salon, or other location? If so, that business’ insurance policy might not cover you. In fact, the owners will likely require you to carry your own barber liability insurance — and list them as an additional insured on the policy — before they hire you.
Getting self-employed barber insurance is a smart choice, no matter how you cut it.
Why Should I Choose BBI for Barber Insurance?
Count on your BBI barber insurance policy. Here’s how it helps you:
- Excellent-rated carrier
- Fully customizable policy
- High coverage at a low cost
- 24/7 online policy management
- Quick, easy claim-filing process
- Coverage that goes where you go
- Industry-preferred occurrence coverage*
- Meet barbershop requirements with COI
- Licensed support agents waiting to help you
- Plus much more — join other happy BBI barbers today!
*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?
Each policy has coverage specifics, but here are some real claims BBI has covered. With barber insurance coverage from BBI, you won’t have to face claims like these alone.
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.
Each policy has coverage specifics, but here are some real claims BBI has covered. With barber insurance coverage from BBI, you won’t have to face claims like these alone.
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 Application Process
Join over 63,000 professionals, including barbers like you, who enjoy peace of mind with BBI’s liability coverage.
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
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 policy will come standard with the liability limits listed in the chart above. To create your ideal barber insurance policy, choose from any of these endorsements.
$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 cutting tools, products, barber chair, business tablet, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: barbers who book clients or accept payments online.
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 requirements of barbershop or salon owners, landlords, venue organizers, and more.
More FAQs About Barbers Insurance
What Types of Coverage Are Included in Barbers Insurance?
BBI’s barber insurance policy includes:
- General liability: Coverage for third-party (client) injuries and property damage.
- Professional liability: Coverage for claims alleging you’ve made a mistake, gave harmful advice, or even if a client is simply unhappy with your services.
- Fire legal liability: Coverage for the space you rent in case of accidental fire.
- Personal and advertising injury: Coverage for non-physical injury, such as libel, slander, or advertising mistakes.
- Medical expense limit: Coverage for medical fees for third-party injuries that take place in your workspace, whether or not you’re at fault.
I’m Renting a Chair at an Insured Barbershop. Do I Still Need Insurance?
If you rent a chair or are an independent contractor at an insured barbershop, you most likely need your own self-employed barber insurance. It’s standard for barbershop owners to require you to obtain separate barber liability insurance for yourself and list them as an additional insured.
Even if you work on commission at an insured barbershop, it’s smart to check with the barbershop owners to see what their insurance covers you for. Consider purchasing individual barber insurance for added protection.
In addition, having your own barber insurance policy ensures you’re covered if you take on work outside of the barbershop, such as special events or mobile appointments.
Is My Equipment Covered Under Barber Liability Insurance from BBI?
Can I Get Barber Liability Insurance by the Month?
Yes, you can get barber liability insurance by the month. If you know you’ll only be working for a shorter season, purchase your BBI barber insurance policy and choose the monthly payment option. You can select your start date and enjoy coverage on your terms.
What’s the Difference Between Barber Insurance and Barbershop Insurance?
Barber insurance is tailored for individual barbers, particularly for self-employed professionals, with coverage focusing on general and professional liability. Barbershop insurance covers the entire business and is purchased by the barbershop owner.
If you’re a barbershop owner, get coverage for all of your stations — and the barbers who work in them — with BBI’s salon and spa owner insurance.
How Can I Customize My Barber Insurance Policy?
Your policy can be customized at any time via your online user dashboard. If you need help, our customer-approved support team is available to answer your questions!
Our base barber insurance policy comes with essential general and professional liability coverage. From there, customize with optional endorsements, including tools and supplies coverage, cyber liability coverage, additional insureds, and more.
You're in Great Hands
Check out what our happy policyholders 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!
