Barber Insurance
As a barber, your ultimate goal is to make each client feel at ease while performing your services. Customers come to you when they want to look and feel their best. Although you may do everything in your power to provide a clean and safe environment, you and your business are still exposed to lawsuits from your clients. Protect your business from the financial impact of a liability claim with barber insurance.
Barber Insurance
in 10 Minutes
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What is barber insurance?
Barber insurance provides you financial coverage for claims of injuries, illnesses, or damages from your barber services. To make sure you have a strong base of liability protection, you’ll want your barber insurance policy to include general liability, professional liability, and business personal property coverage.
How Much Does Barber insurance cost?
At Beauty & Bodywork Insurance (BBI), we focus on covering what you need at a competitive price. The base barber insurance policy starts at $96 for professional barbers and $67 for barber students. For just $13, we’ll provide $2000 in coverage for your tools and supplies in case of damage or theft. You can also add one additional insured for $15 or an unlimited number of additional insureds for $30.
The best part? Your application can be completed in ten minutes or less.
Do I Need Liability Insurance for Barbers?
Yes, you need barber liability insurance! Barbers face a lot of potential liability risks. Chemicals in dyes, sharp cutting tools, and heat from styling tools can all injure a client, even if you’re careful. In all of these situations, you could be liable for a variety of expenses, including medical bills, repairs, and legal fees. Liability insurance for barbers gives you needed protection from claimants.
In addition, if you rent space at a salon or other location, barber shop insurance might not cover you. Owners may require you to have liability insurance—and to list them as an additional insured—before they hire you.
Get a policy today
Join the thousands of Barbers nationwide who have found peace of mind by purchasing liability coverage from BBI.
General & 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.
Cupping Endorsement
Cupping therapy is an ancient practice that provides relief from sore muscles and is utilized by competitive athletes around the world. BBI now offers cupping therapy insurance for massage therapists and other bodywork professionals.
For just $35, you can add the cupping therapy endorsement to your BBI policy. Current BBI clients can purchase this endorsement from their dashboard. New BBI customers can simply select the cupping therapy endorsement when purchasing their policy.
Please note the cupping therapy endorsement excludes wet or fire cupping.
Common Questions
Is My Equipment Covered Under Barber Liability Insurance from BBI?
BBI’s tools and supplies coverage, also known as Inland Marine insurance, protects your business personal property such as your equipment, supplies, or inventory with $2,000 in coverage. You can add it to your base policy for just $13.
I'm Self-Employed at an Insured Barber Shop, Do I Still Need Insurance?
Not always, but it’s good to be safe. Barber shop insurance might not cover you in certain situations, since you’re self-employed. In some cases, the owner of the insured barber shop might ask you to obtain separate barber liability insurance and list them as an additional insured. It’s best to know you are covered against claims. Having your own barber insurance policy can also cover you for any other barber projects you do outside of the insured barber shop.
Why Should I Choose BBI for My Barber Liability Insurance?
At BBI, we’ve made getting barber liability insurance, also known as public liability insurance, quick and painless. We strive to keep your coverage high and your costs low, all while removing the outdated process of brokering a policy through an agent. We have one low cost for professionals and an even lower cost for students. You can get insured online within minutes across all 50 states. And if you run into issues, our dedicated support staff is ready to help you every step of the way. We value ourselves in having open communication and trust with our clients. BBI is here for you every step of the way.
Who we are
The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.
Veracity Insurance Solutions
Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs.
Great American Insurance Group
Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.
Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014)
Popular methods
BBI covers hundreds of modalities in the beauty services industry. We believe they are all beneficial. With a BBI policy, all modalities are covered on one policy, for one low price. Some of the most popular types of methods include:
