Insurance Policies for Hair Stylists
You are a professional at styling and cutting hair, but you probably don’t have the same expertise when it comes to a liability policy.
Hair Styling Liability Insurance
Everybody needs a haircut once in a while, and as a hair stylist, you have the skills to help your clients look their best. But constantly working with sharp tools and people means that accidents can happen at any time, even to the best hair stylists.
Per Year
Liability Policy
Program Highlights
- General and Professional Liability
- Products-Completed Operations
- Personal and Advertising Injury
- Damage to Premises Rented to you
- Inland Marine/Business Personal Property
- Identity Recovery
Not ready to buy?
Setup a reminder for the day you want to purchase. No pressure. No hassles.
No quote process • Instant coverage • A+ rated insurance Carrier
BBI is the Coverage you need
Going through hair school gave you the expertise you need to cut and style hair. People come to you because they are convinced you are the best person for them. Even with all the training you’ve received, however, it can’t prepare you for everything that could happen.
What if a client moved while you were cutting their hair and you accidentally cut them with scissors? This situation is not beyond the realm of possibility, and you might be surprised to learn that you could be held liable for the medical expenses and other costs of that cut.
Which is why you need coverage to help you in your career. Our online Beauty and Bodywork Insurance (BBI) offers comprehensive liability policies for hair professionals and students. This includes hair salon booth rental insurance as well.
Whether you need a policy to protect your hair-styling business or to insure your hair supplies and equipment, BBI offers the coverage you need at a price you can afford.
Common Questions
As a hair stylist, you face a lot of liability risks, including bodily injuries, property damage, and professional liability. Hair stylists insurance helps protect both you and your business from the financial impact of a liability claim. To make sure you have a strong base of liability protection, you'll want your hair stylists insurance policy to include general liability, professional liability, and business personal property coverage.
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 hair stylists and $67 for hair styling students. You can also add one additional insured for $15 or an unlimited number of additional insureds for $30.
To be eligible for a policy, it is important that you do not provide any of the services listed on our excluded methods page.
The short answer? Yes! 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. Or they can damage the premises if you are styling hair on site for a wedding, prom, or other event. 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.
Coverages & pricing
** Please note these are brief definitions of coverages and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.
Professional
liability policy
This policy is for professionals who work in the Beauty and Bodywork Industry.
Student
liability policy
This policy is for students currently enrolled in a beauty or massage school.
About Student Policy
Program benefits
- 24/7 Access to Policy Documents
- Quality insurance
- Convenient Online Purchasing
- No Quote Process
- Licensed In All 50 States
- Instant Coverage
- No Deductible on Liability Claims
- A+ Rated Insurance Carrier
- One Policy for Multiple Methods
- Peace of Mind
1 Additional Insured $15 | Unlimited Additional Insureds $30
General & professional liability limits
| 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 |
Additional limits
| Inland Marine / Business Personal Property | $2,000 |
| Deductible | $150 |
| Identity Recovery Coverage | $15,000 |
| Deductible | $250 |
Not ready to buy?
Setup a reminder for the day you want to purchase.
No pressure. No hassles.
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)
Popular methods
Being a hairstylist is a popular part of the beauty industry, but it is only one of many different types of practices. BBI was created to allow all workers in the field the opportunity to reduce the risks that are associated with their profession and give them the insurance they need to confidently go about their career. Some of the other methods we insure include:
