Barber Insurance
Top-Rated Liability Coverage for Individual Barbers
- Designed for solo barbers and booth renters
- Instant coverage + certificate of insurance
- $15 additional insureds | $30 unlimited
- Affordable $3 million aggregate coverage
Or $96/year.
BBI’s Insurance for Barbers
Beauty & Bodywork Insurance (BBI) makes it easy, affordable, and fast to protect your barbering business and get back behind the chair.
Coverage Crafted for Professional Barbers
Get bundled general and professional liability protection, plus optional add-ons, for the everyday risks of providing clean trims, shaves, and fades.
Instant Proof of Insurance & Easy Additional Insureds
Show barbershop owners, landlords, and clients you’re covered with your instant certificate and add qualified third parties to your policy, all in under 10 minutes.
Industry-Preferred Limits Priced for Value
Enjoy $2 million in coverage per claim and $3 million in coverage for the full policy year — peace of mind for less than the cost of a bottle of clipper oil.
What Is Barber Insurance?
Barber liability insurance is designed to protect professional barbers from expensive claims related to their work. From slip-and-fall injuries in your reception to accidental nicks and cuts, insurance can help pay if your business harms a client or another third party.
With essential coverage, including bundled general and professional liability and options for add-ons, BBI’s barber insurance acts as a clipper guard, ensuring your business stays lined up.
Who Is Barbering Insurance for?
BBI’s barbering insurance is built for:
- Individual barbers
- Chair or booth renters
- Self-employed barbers
- Hair stylists and cosmetologists
- Independent contractor barbers
→ If you own a barbershop and need coverage for multiple stations and barbers, see our Salon Insurance page for the right policy fit.
How Much Does Barber Insurance Cost?
Barber insurance starts at $9.99 per month or $96 per year for $2 million per-occurrence and $3 million aggregate coverage. We keep our beauty professional insurance costs low, so you can keep more money in your pocket for shears, chair rental, and all your business must-haves.
BBI’s barber insurance policy is ready to buy online! Customize your policy with add-on protections for your pro barber tools, cyber liability, and more. Our affordable coverage provides peace of mind and high coverage limits for about the cost of a blade refill pack.
Do Barbers Need Insurance?
Yes, all barbers need insurance due to the hands-on nature of their work! Dye chemicals, sharp razors, and slippery shampoo station floors — you face liability risk every time you open shop.
Your shop’s policy probably doesn’t cover you against claims arising from your individual work. In fact, many barbershops and salons require you to show proof of insurance and add them as an additional insured before renting a chair to you.
If something unexpected happens, your policy can cover your client’s medical bills, legal costs, repairs, and more. Getting self-employed barber insurance is a smart choice, no matter how you cut it.
Why BBI for Barbers Insurance?
With BBI’s barber insurance, you don’t have to choose from the menu. Your policy comes with:
- An excellent-rated carrier
- Monthly or annual payment options
- 24/7 online dashboard for policy management
- Mobile coverage for multi-location work
- Industry-preferred occurrence coverage*
- Instant certificate of insurance (COI) to meet barbershop requirements
- Friendly, U.S.-based, licensed support
- A quick, easy claims-filing process
*New policies purchased after July 2024 include occurrence-based coverage.
What Are Some Examples of Covered Claims?
Real claims, real support. Here’s how BBI has helped industry professionals like you.
- $1,891
- $328
- $2,168
- $4,993
- $5,871
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
10 Minutes, Online — You’re Covered
Got a break between clients? Get comprehensive coverage fast and join over 70,000 professionals who work confidently with BBI’s barber liability insurance.
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
Customize your barber insurance policy with optional coverage add-ons.
$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.
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.
$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.
$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.
Currently unavailable for male massage therapists.
FAQs About Barbers Insurance
What’s the Most Affordable Booth Renter Barber Coverage, and Can I Get a COI Today?
BBI’s barber insurance is made for solo or booth-renting barbers. Our policy starts at just $9.99 per month and provides industry-preferred $3 million aggregate coverage.
Get covered online in 10 minutes or less and receive instant access to your digital certificate of insurance (COI) to show barbershops and venues you’re insured today. Plus, show off your insurance badge online and at your station; it’s a quick, effective way to market your barber business!
What Types of Coverage Are Included in Barbers Insurance?
BBI’s barber insurance policy includes:
- General liability: Coverage designed for third-party (client) injuries and property damage
- Professional liability: Coverage built for third-party bodily injury claims that stem from your professional services, advice, or recommendations
- 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.
Having your own barber insurance policy helps ensure you’re covered if you take on work outside of the barbershop, such as special events or mobile appointments at clients’ homes.
Is My Equipment Covered Under Barber Liability Insurance From BBI?
BBI’s tools and supplies coverage, also known as inland marine insurance, is a policy add-on that protects your movable business personal property, such as equipment, supplies, and inventory. Simply choose your coverage tier and enjoy up to $10,000 in per-policy limits.
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 owner insurance.
Learn more: Ultimate Guide to Barber Insurance.
How Can I Customize My Barber Insurance Policy?
Customize your policy at any time via your online user dashboard. If you need help, our U.S.-based, licensed support team is available to answer your questions!
BBI’s 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.
A Cut Above: What BBI Policyholders Say
Hear from industry pros just like you.
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!
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
