Salon Insurance Comparison
Not sure which salon coverage is right for you? Compare salon insurance effortlessly and see why so many salon pros choose Beauty & Bodywork Insurance (BBI) to protect their businesses.
The Best Salon Insurance From BBI
Your salon is a place where clients transform into their best selves. Keep it running beautifully with the right salon insurance from BBI. Here’s what makes our coverage shine.
- Luxe Coverage at an Affordable Price: Get comprehensive insurance with simplified pay-per-station pricing — your cost is based only on the number of stations you want to insure
- Multiple Tools & Supplies Coverage Tiers: Cover your movable business property in case of theft or damage with up to $30,000 in annual coverage
- Tailored for the Beauty Industry: BBI covers the beauty and bodywork industry exclusively, so you can feel confident you’re backed by a provider who truly understands your work
- Just-in-Case Blanket Coverage: While we recommend individual insurance for your team, any stylist who works at your salon’s insured stations is automatically covered, giving you peace of mind in case accidents happen
Salon Insurance Comparison Chart
Pricing shown reflects a Utah-based salon shopping for a policy with the closest available aggregate coverage limit to $3M from each provider’s online quote tool at the time of writing. Some providers do not offer a $3M limit, so the next-highest available limit was used.
| BBI | NEXT | The Hartford | Hiscox | Thimble | Elite Beauty Society | |
| Policy Type | ✔️Occurrence | Occurrence | N/A | N/A | Occurrence | Occurrence |
| Cost | ✔️From $31.08/month or $349/year | From $33.09/month | From $1,371/year | From $127.78/ month | From $83.70/ month | From $179/ year |
| Coverage | ✔️$2 million occurrence / $3 million aggregate | $1 million occurrence / $2 million aggregate | $2 million occurrence / $4 million aggregate | $2 million occurrence / $3 million aggregate | $2 million occurrence / $2 million aggregate | $2 million occurrence / $3 million aggregate |
| Pay-Per-Station Option | ✔️ Yes — any stylist working at a station is covered! | ❌ | ❌ | ❌ | ❌ | ❌ |
| Tools & Supplies Coverage | ✔️ Multiple tiers available | ❌Not offered directly | ❌ Not offered through online quote | Available | Available | ❌ No |
| Instant Online Purchase | ✔️Yes — in about 7 minutes! | ✅ | ❌ (Speak to representative to confirm purchase) | ✅ | ✅ | ✅ |
| Proof of Insurance | ✔️ Instant | Same day | Delayed | Same day | Same Day | Same Day |
| Beauty-Specific Coverage | ✔️ Yes | ❌ | ❌ | ❌ | ❌ | ✅ |
| Rating | ✔️A- Excellent | A- | A+ | A | A | A |
BBI
| Policy Type |
| ✔️Occurrence |
| Cost |
| ✔️From $31.08/month or $349/year |
| Coverage |
| ✔️$2 million occurrence / $3 million aggregate |
| Pay-Per-Station Option |
| ✔️ Yes — any stylist working at a station is covered! |
| Tools & Supplies Coverage |
| ✔️ Multiple tiers available |
| Instant Online Purchase |
| ✔️ Yes — in about 7 minutes! |
| Proof of Insurance |
| ✔️ Instant |
| Beauty-Specific Coverage |
| ✔️ Yes |
| Rating |
| ✔️A- Excellent |
NEXT
| Policy Type |
| Occurrence |
| Cost |
From $33.09/month |
| Coverage |
$1 million occurrence / $2 million aggregate |
| Pay-Per-Station Option |
| ❌ |
| Tools & Supplies Coverage |
| ❌ Not offered directly |
| Instant Online Purchase |
| ✅ |
| Proof of Insurance |
| Same day |
| Beauty-Specific Coverage |
| ❌ |
| Rating |
| A- |
The Hartford
| Policy Type |
| N/A |
| Cost |
From $1,371/year |
| Coverage |
$2 million occurrence / $4 million aggregate |
| Pay-Per-Station Option |
| ❌ |
| Tools & Supplies Coverage |
| ❌ Not offered through online quote |
| Instant Online Purchase |
| ❌ (Speak to representative to confirm purchase) |
| Proof of Insurance |
| Delayed |
| Beauty-Specific Coverage |
| ❌ |
| Rating |
| A+ |
Hiscox
| Policy Type |
| N/A |
| Cost |
From $127.78/ month |
| Coverage |
$2 million occurrence / $3 million aggregate |
| Pay-Per-Station Option |
| ❌ |
| Tools & Supplies Coverage |
| Available |
| Instant Online Purchase |
| ✅ |
| Proof of Insurance |
| Same day |
| Beauty-Specific Coverage |
| ❌ |
| Rating |
| A |
Thimble
| Policy Type |
| Occurrence |
| Cost |
From $83.70/ month |
| Coverage |
$2 million occurrence / $2 million aggregate |
| Pay-Per-Station Option |
| ❌ |
| Tools & Supplies Coverage |
| Available |
| Instant Online Purchase |
| ✅ |
| Proof of Insurance |
| Same day |
| Beauty-Specific Coverage |
| ❌ |
| Rating |
| A |
Elite Beauty Society
| Policy Type |
| Occurrence |
| Starting Cost |
| From $179/ year |
| Coverage |
| $2 million occurrence / $3 million aggregate |
| Pay-Per-Station Option |
| ❌ |
| Tools & Supplies Coverage |
| ❌ No |
| Instant Online Purchase |
| ✅ |
| Proof of Insurance |
| Same day |
| Beauty-Specific Coverage |
| ❌ |
| Rating |
| A |
To give you a helpful side-by-side look, we gathered sample quotes in August 2025 using a Utah-based salon as a reference. This chart is meant for general comparison only — coverage, pricing, and features can vary. For the most accurate and current details, check directly with each provider.
What This Means for Your Salon
If you want to protect your salon with insurance that’s:
- Truly salon-level, beauty-specific coverage at the lowest price
- Offered through one simple policy that covers every station and stylist
- Designed with multiple coverage tiers for your tools and supplies
- Purchaseable in minutes without speaking to an agent (unless you want to!)
- Effective instantly with easy proof of insurance
… then BBI is the ideal fit for you! But if you want to keep looking, here are the highlights of the best salon insurance providers on the market.
A Closer Look at Our Salon Insurance Comparison
Let’s take a look at how BBI compares to other massage insurance companies.
Beauty & Bodywork Insurance (BBI)
Cost: From $31.08/month for 1-2 stations
Coverages Offered
- General and professional liability insurance
- Tools and supplies coverage (inland marine)
- Cyber liability insurance
- Cupping and microcurrent endorsements
- Designed specifically for salon owners
- Pay-per-station pricing covers any stylist working the insured station
- Transparent pricing with instant online purchase
- Covers a wide range of most salon services
- Instant Certificate of Insurance (COI)
- Does not currently bundle workers comp or commercial auto (options to add coverage coming soon in October 2025)
- Currently not available for purchase in Missouri
Standout Features
- Simplified pricing based on number of stations
- Monthly or annual payment options
- Option for unlimited additional insureds
- Occurrence-form coverage for long-term peace of mind
- Highly rated, licensed customer support team
NEXT
Cost: From $19/month for basic individual-only coverage with lower limits (most salons will pay more for the higher coverage limits they actually need)
Coverages Offered
- General and professional liability insurance
- Commercial property insurance
- Workers compensation insurance
- Easy online quote and purchase process
- Professional liability included with general liability policy
- Instant Certificate of Insurance (COI)
- Not beauty-specific
- Services outside of beauty business class may not be covered
- Renters or independent contractors not covered for professional services in salon
- Pricing based on factors like number of employees and location
Standout Features
- Mobile app for managing coverage
- Discount offered for bundling policies
The Hartford
Cost: From $1,371/year (based on sample quote received)
Coverages Offered
- General and professional liability insurance
- Business owners’ policy (BOP)
- Workers compensation insurance
- Cyber liability insurance
- Strong reputation for covering established businesses
- Offers full business packages
- Requires quote and agent assistance
- Coverage and proof of insurance are not instant
- Not beauty industry-focused
- Can be more expensive than niche providers
Standout Features
- Customizable coverage options
- Agent-led support for purchase
Hiscox
Cost: From $127.78/month (based on sample quote received)
Coverages Offered
- General and professional liability insurance
- Business property equipment coverage
- Cyber liability insurance
- Business owners’ policy (BOP)
- Commercial insurance for small businesses
- Reputable insurer with a long-standing history
- Not beauty-specific coverage
- Tools & supplies coverage is only offered up to $25K
- Not available in all states
Standout Features
- Multiple payment cadence options (monthly, quarterly, bi-annual, annual)
- Customizable coverage limits
Thimble
Cost: From $83.70/month (based on sample quote received)
Coverages Offered
- General and professional liability insurance
- Business personal property coverage
- Business owners’ policy (BOP)
- Flexible short-term insurance
- Quick, easy purchase online or through the app
- Not beauty-specific coverage
- High tools & supplies coverage deductibles (from $500)
- Individual-based policy won’t cover shared stations
- Cost is based on factors like location and building construction type
Standout Features
- Coverage by the hour, day, or month
- Customizable coverage limits
Elite Beauty Society
Cost: From $179/year for individual salon owners coverage
Coverages Offered
- General and professional liability insurance
- Cyber liability insurance (only up to $25K in coverage)
- Beauty-specific protection
- Membership perks
- Not designed for salon owners covering a full team
- No tools and supplies coverage
- Monthly payments only offered through PayPal Credit Financing
Standout Features
- Student and two-year policy available
- Covers multiple beauty services
Understanding Salon Liability Insurance
When it comes to protecting the hard work that goes into your salon, it’s essential to understand how your coverage works. We know you’d rather be promoting a new beauty service or wowing a client — that’s why BBI makes insurance easy.
What Types of Insurance Do Salon Owners Need?
Salon owners typically need:
- General liability insurance: Coverage for third-party bodily injuries or property damage
- Professional liability insurance: Protection in case someone at your salon makes a real or perceived professional mistake
- Tools and supplies coverage (inland marine): Pays to repair or replace your movable business property in case of theft or damage
- Cyber liability insurance: Coverage for claims related to data breaches and cyber attacks
- Endorsements: Extra coverage for specialized services like cupping or microcurrent facials
BBI’s salon liability insurance bundles general and professional liability into one easy policy, with optional add-ons so you can customize your coverage to your needs.
What Does Salon Insurance Typically Cover?
Salon insurance is designed to protect you from common risks, including:
- Client injuries, like slip-and-falls in your salon
- Damage to a client’s belongings (e.g., spilled color on a designer bag)
- Professional mistakes, such as uneven cuts or chemical burns
- Unhappy clients, including claims of unsatisfactory results
- Allergic reactions to products or treatments
- Fire or water damage to your rented salon space
- Personal and advertising injury, like claims of defamation or copyright issues
- Medical costs if a client is injured during their visit
- Legal fees and settlements if you’re sued
How Much Does Salon Insurance Cost?
Salon insurance can range from $200 to $600 a year. BBI’s insurance starts at $31.08 a month or $349 a year for 1-2 stations, with optional coverage upgrades. Pay just for what you need, starting with a base premium that offers the most for the lowest price!
Learn more about salon insurance costs.
Stop Searching for the Best Salon Liability Insurance
Once you’ve compared options, it’s easy to see why over 69,000 industry professionals choose BBI. Get affordable, reliable coverage tailored to beauty businesses — all in just a few clicks.
Start running your salon with BBI peace of mind today.
FAQs About Insurance for Salon Owners
Can I Bundle My Salon Insurance With Other Coverages?
Yes, BBI’s salon insurance automatically bundles general and professional liability insurance, with options for tools and supplies coverage, cyber liability insurance, and more. It’s a simple, affordable way to get the protection your salon needs in one place.
What Is the Best Insurance for a Salon?
The best insurance for your salon depends on how your business is set up. BBI is often the top choice for:
- Independent salon owners who want to cover every stylist working at a station
- Small to mid-size salons looking for all-in-one coverage
- Beauty professionals offering services like hair styling, waxing, makeup, and more
With beauty-specific coverage and simplified pricing, BBI is an ideal choice for protecting your salon stress-free.