Whether you are performing a drastic haircut or a mere trim, as a hair stylist you have the skills to help your clients look their best. Beauty and Bodywork insurance's hair stylist liability insurance provides you with professional and general liability coverage as you work with sharp tools around people.
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Hair stylists insurance provides coverage that protects both you and your salon from the financial impact of a liability claim. To make sure you have a strong base of liability protection, you'll want your policy to include general liability, professional liability, and business personal property coverage.
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At Beauty & Bodywork Insurance (BBI), we keep insurance simple. You can purchase a hair stylists insurance policy for one of two easy prices: $96 for professional hairdressers and $67 for hairdressing students. You can also add one additional insured, such as a salon owner, for $15 or an unlimited number of additional insureds for $30. Our insurance includes a professional and general liability aggregate coverage of $3 million.
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The short answer? Yes, you do need hair stylist insurance. The longer explanation is that hair stylists 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.
In addition, if you rent space at a salon or other location, the owners may require you to have liability insurance—and to list them as an additional insured—before they hire you.
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Join the thousands of Hair Stylists nationwide who have found peace of mind by purchasing liability coverage from BBI.
| General & Professional Liability Aggregate | $3,000,000 |
| Products & Completed Operations Aggregate | $3,000,000 |
| Personal & Advertising Injury | Included |
| Each Occurrence | $2,000,000 |
| Damage to Premises Rented to you | $300,000 |
| Inland Marine / Business Personal Property | $2,000 |
| Deductible | $100 |
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.
The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.
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 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)
With over 250 types of hair stylist methods to choose from, we don’t want to restrict to specific types. 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:
