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.
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Liability Insurance For Hairdressers
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What Services Are Covered in a BBI Hair Stylist Policy?
BBI covers a wide variety of services. Take a look at this list to see what we cover:
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some actual claim examples that BBI has covered. Without hair stylist insurance coverage, you could be held liable for these claims.
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.
While each policy has coverage specifics, here are some actual claim examples that BBI has covered. Without hair stylist insurance coverage, you could be held liable for these claims.
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.
Common Questions about Hair Stylist Insurance
Our certified agents are always ready to relieve stress and answer your questions about our hair stylist insurance. Here are the most common questions we get.
What is Hair Stylist Insurance?
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. 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.
Quote-Free Application Process Hair Stylist Insurance
Join the tens of thousands of hair stylists nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!
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.
Common Questions
Is My Equipment Covered With Hair Stylist 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?
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What's Included in Insurance for Hair Stylists From BBI?
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.Additional Insureds
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.Buy Policy
How Will Hair Stylist Insurance Help Your Business?
- 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?
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