Hair Stylists Insurance
As a hair stylist, you focus on making your clients look and feel their best. Whether you’re elevating a client’s look with a drastic haircut or maintaining their current style with a trim, you’re focused on giving them an experience that keeps them coming back.
While you’re a master of your craft, accidents happen when you mix sharp tools and people. That’s where hair stylist insurance comes into play. Beauty and Bodywork Insurance’s hair stylist liability insurance provides you with professional and general liability coverage. So while you focus on your client, we’ll focus on protecting you in case of an accident. Get the coverage you need to work with confidence, not worry.
Hair Stylists Insurance
in 10 Minutes
A PBA Insurance Marketplace Provider
What is Hair Stylist Insurance?
Hair stylist insurance covers you with essential professional liability and general liability insurance, providing financial coverage for claims of injury, illnesses, or damages stemming from your work.
It can also include tools and supplies coverage, also known as Inland Marine, to help to cover damages to your equipment or supplies. Hair stylist insurance protects you when accidents happen so you can practice with peace of mind.
How Much Does Hair Stylist Insurance Cost?
At Beauty & Bodywork Insurance (BBI), we focus on covering what you need at a competitive price. The base hair stylist insurance policy starts at $96 for professionals and $67 for students. This includes a professional and general liability aggregate coverage of $3 million. For just $13, we’ll provide $2,000 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 Hair Stylist Liability Insurance?
The short answer? Yes, you need hair stylist liability insurance.
It’s no secret that being a hair stylist comes with its fair share of risks. From cuts and burns to chemical accidents, there’s a lot that can go wrong in the course of a day’s work. In all of these situations, you could be liable for a variety of expenses, including medical bills, repairs, and legal fees.That’s why it’s so important to have hair stylist insurance in place to protect you, your business, and your clients in the event of an accident.
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 additional insured—before they hire you. With BBI, you can present that coverage with confidence and in just a few minutes.
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.
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.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-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
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.
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.
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.
Get a policy today
Join the thousands of Hair Stylists nationwide who have found peace of mind by purchasing liability insurance for hair stylists from BBI.
Is My Equipment Covered With Hair Stylist Insurance?
As a hairdresser, it becomes quite difficult to do your job if you don’t have the right equipment. Inland Marine insurance, also known as Tools & Supplies coverage, is designed to protect and pay for tools, supplies, and inventory that suffer damage or theft. For only an additional $13 to your base policy, you’ll get $2,000 in coverage for your tools and supplies over the year. Here are a few examples of what equipment is covered with BBI’s hair stylist malpractice insurance:
- Hairdressing scissors: No hairdresser would be caught dead without a good pair of scissors. And if those scissors are damaged or stolen, you’ll be glad you have insurance to cover the cost of replacing them.
- Color products: Whether it’s hair dye or bleach, hairdressers use products to color hair on a daily basis. If any of these products are damaged or destroyed, your insurance will help you replace them.
- Hairdryers: A hairdryer is an essential piece of equipment for any hairdresser. If yours is lost, stolen, or broken, you’ll need to replace it quickly. Fortunately, hairdresser insurance will cover the cost.
- Shampoos and conditioners: These are the products that keep your clients’ hair looking its best. If they’re damaged or destroyed, you’ll need to replace them ASAP. With hairdresser insurance, you won’t have to worry about the cost.
Does Hair Stylist Insurance Cover My Business On the Road?
Mobile businesses are just as susceptible to liability claims as any other type of business. If you’re planning on being a traveling or mobile hair stylist, BBI has got you covered! Our mobile hair stylist insurance covers your business on and off the road. This means that you can feel safe and worry-free anytime you drive to meet a new client. You’ll be insured in your car and at clients’ homes no matter what happens.
What's Included in Insurance for Hair Stylists From BBI?
BBI offers comprehensive insurance for hair stylists that includes general liability, professional liability, product liability, personal & advertising injury, and damage to premises rented to you. This comprehensive approach protects you from the many risks you face as a hair stylist, including third-party claims of bodily injury or property damage, errors and omissions, and loss of income.
Here’s a brief breakdown of what that means:
General Liability Insurance
This policy covers third-party claims of bodily injury and property damage. It can help pay for medical bills, lost wages, and other damages awarded in a lawsuit.
Professional Liability Insurance
This policy covers claims of professional misconduct, such as sexual harassment. It can also help protect you if you’re accused of causing physical harm to a client.
Personal and Advertising Injury
This coverage can help protect you if you’re accused of libel, slander, or false advertising.
Damage to Premises Rented to You
This coverage can help reimburse you for the cost of repairing or replacing damaged property. If you’re a mobile massage therapist, this coverage helps protect your while on the road.
You can also opt to include these additional coverages:
Supplies & Tools Coverage
Also called Inland Marine insurance. this policy covers the cost of replacing lost or damaged supplies and tools, such as massage tables and oils.
You may need to add additional insureds, such as your employer or the owner of the space where you work. When you add a person, event, or organization to your message therapy policy as an additional insured, they receive protection if they are named in a lawsuit due to a covered business-related loss/claim because of your actions or operations.
Cyber Liability Insurance
If you collect or store customer information – names, addresses, even payment information – and that information is stolen or compromised, your business could be held liable. Cyber Liability insurance can protect you from paying hefty fees, judgements, legal cost, fines, and processor fees that you become legally liable to pay.
To read about these coverage options in detail, take a look at this blog.
How Will Hair Stylist Insurance Help Your Business?
As a hair stylist, you face unique risks every day. From sharp scissors and chemicals to hot irons and color treatments, there are many ways that an accident could happen in your salon. That’s why it’s so important to have the right insurance in place to protect your business.
Here are some of the key ways that hair stylist liability insurance can help your hair salon:
- Cover the costs of medical treatment if a customer is injured in your salon
- Protect your equipment and supplies in the event of damage or theft
- Provide liability protection if you are sued by a customer or other third party
- Give you peace of mind knowing that your business is protected
Do I Need Insurance for Hair Stylists if I'm Just Renting a Chair or Booth at a Salon?
If you are just renting a chair at a salon, you may not need to carry your own hair stylist insurance policy. However, you should check with the salon owner to see if they require you to have insurance. Many salon owners will require their booth renters to carry their own professional liability insurance for hair stylists and indicate the salon owner as an additional insured.
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)
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: