Hair Stylists Insurance
- Superfast, secure, and easy
- Instant coverage — for wherever you work!
- $15 per additional insured | $30 unlimited
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Hairdresser Insurance
Accidents happen, even for the best. That’s where we come in. Beauty & Bodywork Insurance (BBI) offers comprehensive hair stylist liability insurance crafted for you — and all the ways you beautify! So, focus on your clients. We’ll take care of your business.
Get covered and work confidently.
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.
What Services Are Covered in a BBI Hair Stylist Insurance Policy?
Every snip, every style — BBI covers your services. You’re among great company:
Common Questions About Hair Stylist Liability Insurance
What Is Hair Stylist Insurance?
Hair stylist insurance is essential coverage for your cosmetology business. At BBI, we believe in protecting your hard work. That’s why we’ve created a policy that combines general and professional liability insurance to cover claims arising from your business.
With optional add-ons like tools and supplies coverage and unlimited additional insureds, your perfect policy is just a few clicks away.
Work worry-free with independent hair stylist insurance from BBI.
Photo by: @mandy_does_updos
How Much Does Hair Stylist Insurance Cost?
At BBI, we focus on providing top-tier insurance at an affordable price. The base hair stylist insurance policy starts at just $9.99/month and includes general and professional liability aggregate coverage of $3 million.
Starting at just $2/month, you can add coverage for your tools and supplies in case of damage or theft — multiple coverage tiers available! 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. (Cue your next appointment!)
Photo by: @mandy_does_updos
Do I Need Hair Stylist Liability Insurance?
Take it from us. Yes, you need hair stylist liability insurance.
Cuts, burns, chemical accidents — you face risks every day. When things go wrong, say hello to medical bills, repairs, legal fees, and other costly expenses. We don’t want that for you. Our hair stylist insurance is designed to protect you, your business, and your clients so things run smoothly.
Salon owners (and the like!) typically require you to have liability insurance — and list them as an additional insured — before they hire you. With BBI, your proof of insurance is ready to present immediately after purchase. Easy, right?
Plus, our insurance policy offers industry-preferred occurrence-based coverage.* That means you get peace of mind to file a claim — even after your coverage ends — for accidents that happen during your policy period.
*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.
Photo by: @elizabeth_paschall_
What Are Some Examples of Covered Claims?
Real claims, real numbers. This doesn’t have to be you! With BBI by your side, get real peace of mind knowing you’re protected.
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.
Real claims, real numbers. This doesn’t have to be you! With BBI by your side, get real peace of mind knowing you’re protected.
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 Hairdresser Insurance
Over 63,000 professionals like you have found peace of mind with liability coverage from BBI. We think it’s about time you joined us, too!
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 hairdressing insurance policy comes standard with the coverages listed in the chart above. To customize your policy and maximize your protection, select from these extra coverages.
$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 shears, products, hot tools, business tablet, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: hair stylists 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 the requirements of salon owners, landlords, venue organizers, and more.
More FAQs About Hair Stylist Liability Insurance
Is My Equipment Covered With Hair Stylist Insurance?
With BBI, you can easily add coverage for your equipment with optional tools and supplies coverage. Our coverage tiers start at just $2/month and offer up to $10,000 in aggregate limits in case of theft or damage.
Get covered for business essentials like:
- Hair-cutting shears
- Hair color products
- Shampoos and conditioners
- Hairdryers and other hot tools
- Tech products, such as your business tablet
Does Hair Stylist Insurance Cover My Business on the Road?
Yes, your BBI hair stylist insurance covers you wherever you work. Whether you’re traveling from salon to salon, or to a client’s home, feel confident knowing you’ve got top-rated mobile hair stylist insurance.
Please note this coverage currently excludes Missouri.
What's Included in Insurance for Hair Stylists From BBI?
BBI’s comprehensive insurance for hair stylists includes:
- General liability insurance
- Professional liability insurance
- Personal and advertising injury coverage
- Products and completed operations coverage
- Fire legal liability coverage
- Medical expense limit
Optional add-ons include:
How Will Hair Stylist Insurance Help My Business?
The short answer: Hair stylist insurance keeps you from having to pay for expensive “oh no!” moments on your own. This coverage gives you freedom to grow your business further.
Aside from that, hair stylist insurance helps your business by:
- Providing peace of mind that you’re covered
- Demonstrating your professional responsibility
- Building trust with your clients
- Ensuring financial stability
Do I Need Insurance for Hair Stylists if I'm Just Renting a Chair or Booth at a Salon?
If you are renting a chair at a salon, you’ll likely need to carry your own hair stylist insurance. Many salon owners require booth renters to show proof of liability insurance, as well as to list the salon owner as an additional insured.
Even if your salon does not require you to be insured, it’s a smart choice to obtain hairdresser insurance.
What Insurance Do I Need to Be a Hair Stylist?
To be a hair stylist, you should protect yourself with liability insurance. Depending on where you work, you may be required to carry these three main types: general liability insurance, professional liability insurance, and products-completed operations coverage (product liability insurance).
BBI takes the guesswork out of insurance shopping — these necessary coverages are included in your base hair stylist insurance policy!
What Is the Best Hair Stylist Insurance?
The best hair stylist insurance is one that fits your business needs. With BBI, enjoy excellent-rated coverage at a price that makes sense. Learn more about why we’re your best choice for insurance on the market.
Our Customers Are Happy
And we’re over the moon about what they 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!
